Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
FAILURE TO INVESTIGATE Experian sent over dispute results for report # XXXX & advised accounts was verified and updated. 
I do not believe Experian performed an investigation required by the FCRA because it would be impossible for the mismatch data points to be verified as accurate. Experian has violated my rights under the Fair Credit Reporting Act I'm giving Experian XXXX last opportunity to delete the obviously inaccurate accounts below or I will be requesting {$1000.00} in damages because of there failure to investigate the inaccuracies on the accounts mentioned as outline in the FCRA. I have highlighted and showed the documentation with the many inaccuracies such as date opened, date reported, number of late payments, balance amounts, and the status of the accounts. Instead Experian put in the dispute notes these exact words " Each national consumer credit reporting agency may interpret the requirements of the Fair Credit Reporting Act differently and each company has their own policies and guidelines for disputing information.Therefore, we can not update or delete information in our database based on the results of a dispute with another consumer credit reporting agency nor can we dispute information for a consumer with another consumer credit reporting agency '' My rights have been VIOLATED by Experian!!! 
I am requesting that Experian send me a method of verification on the accounts that I know is inaccurate. How was information verified on the above accounts?? By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter.These entries are in violation of my consumer rights under federal and state laws. Inaccurate Reporting : I have reason to believe that the reporting of this charge-off and collection is inaccurate, and I have not been provided with sufficient proof of the debt 's validity or any prior validation, as required by the FDCPA. Lack of Verification : The debt was never properly validated as required by the FDCPA. As a consumer, I have the right to demand validation of a debt before it is reported on my credit report or pursued for collection. Discrepancies in Reporting : The entries on my credit report are inconsistent with the legal requirements of the FCRA and FDCPA, as they do not provide a clear and accurate account of the debt. 
Creditor : XXXX XXXX  Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my XXXXights.15 U.S.C 1681 section 602 A. States I have the right to privacy. Creditor : XXXX XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my XXXXights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character and I kindly request that the inaccurate charge-off and collection entries be promptly investigated and removed in accordance with the FCRA, FDCPA, and all relevant consumer protection laws.

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