Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have attempted to resolve inaccuracies on my credit report by submitting disputes to XXXX, XXXX, and Experian, but they have failed to address the errors. The information remains incorrect, and I have not received sufficient documentation to verify the validity of the reported accounts. 

The following account ( XXXX ) continue to be reported inaccurately, in clear violation of federal law : XXXX. XXXX XXXX : Account number : XXXX, XXXX is reporting the Date Reported as XX/XX/year>, is a violation to re-age a collection account and This information is reporting inaccurately and does not match my records. You need to remove this inaccurate information immediately from my credit report. 
XXXX. XXXX : Account number : XXXX, This account is not reporting accurately and needs to be removed immediately from my credit report. The other bureaus have already removed it, why haven't you? 
XXXX. XXXXXXXX XXXX : Account number : XXXX, XXXX a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. 
Remove this inaccurate information immediately from my credit report. 
XXXX. XXXXXXXX XXXX  : Account number : XXXX, This is getting out of hand. I have disputed this multiple times and still getting the same runaround. I already demanded proof of how you dealt with the information that you indicated in my credit report. Again, if you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history Immediately! 
XXXX. XXXX XXXX : Account number : XXXX, I dont understand how you are continuously able to verify something that never happened! I dont recall ever being late with any of payments. 
Remove this extremely damaging inaccurate information immediately from my credit report. 
XXXX. XXXX XXXX : Account number : XXXX, I had requested that this account be verified and I have not seen any proof from you that it was. I need all correspondence regarding the previous dispute including the data provided to you that this account is accurate. If your agency is unable to do so, please remove this account from my report immediately. 
XXXX XXXX XXXX XXXX Account number : XXXX, Your agency continues to report this account inaccurately. Please ensure that the payment history for this account is updated and the missing information are provided. If your agency is unable to do that, I demand that you remove this account from my report immediately! 
XXXXXXXX XXXX XXXX  : Account number : XXXX, I already demanded a proof of how you dealt with the information that you indicated in my credit report. Again, if you can not prove any of the information mentioned in the past credit report data that I contested with, please remove them on my credit history. 
XXXX XXXX XXXX  : Account number : XXXX, You are describing this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There is no loan agreement in place. No goods or money have been loaned. I'm pretty sure it is a violation of the FCRA to knowingly furnish or report false information. Please correct or delete this item within the time allowed under the FCRA. 
XXXX XXXX XXXX : Account number : XXXX, The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent a previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report. 

Violations of Consumer Protection Laws : 15 USC 1681i ( a ) ( 1 ) : This challenges the 30-day response time for investigating disputes, which was not followed in this case.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This challenges the investigation protocol, as the credit bureaus did not conduct a proper investigation or provide evidence supporting the accuracy of the information. 

15 USC 1681i ( a ) ( XXXX ) ( B ) : This challenges reinsertions protocols, as the disputed information has continued to appear on my report without proper validation or notification of reinsertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation