Consumer complaint received 2024-11-01 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: TX

Complaint narrative:
I am submitting this complaint against Experian for its failure to properly investigate and verify disputed information related to three accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple dispute submissions and my requests for verification documentation, Experian has continued to report these accounts as verified without providing necessary evidence such as debt validation, proof of the original contracts, or a detailed investigation report. This failure to conduct a thorough and transparent investigation is in violation of the Fair Credit Reporting Act ( FCRA ) and Texas consumer protection laws. 

Here are the details of each dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I filed a formal dispute with Experian regarding the XXXX XXXX XXXX XXXX  account, which contains multiple discrepancies : Inconsistent Delinquency and Opening Dates : Experian has reported a Date of First Delinquency as XX/XX/XXXX, even though the account is reported as opened in XX/XX/XXXX. This discrepancy indicates an impossible timeline and calls into question the accuracy of this reporting.

Inaccurate Balance Reporting : Experian has reported a balance of {$5300.00} with no updates since XX/XX/XXXX. For an active account, this lack of reporting and balance update is inconsistent with FCRA Section 605 ( a ) ( 5 ), which mandates accurate and regularly updated reporting. 
Missing Data and Incomplete Payment History : Several months lack payment history data, making it difficult to verify the accounts validity. 

In my dispute letter dated XX/XX/XXXX, I requested Experian to provide : Proof of debt and original contract validating the legitimacy of the XXXX XXXX XXXXXXXX 
A purchase agreement showing transfer of debt from the original creditor. 
A detailed investigation report explaining how Experian verified this account. 

Experian has failed to provide any supporting documentation, raising serious doubts about the validity of this accounts reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  contains inaccuracies, which I have attempted to address with Experian through multiple dispute letters, yet Experian continues to report it as verified without adequate documentation : Incorrect Charge-Off Status and Balance Due : The account is reported as charged-off with a balance of {$6900.00}, which I dispute. I have requested verification that includes : Proof of debt validation from XXXX XXXX. 
A copy of the original contract confirming my liability for the reported balance. 
A detailed investigation report explaining how Experian confirmed the accounts status. 

Since my initial dispute on XX/XX/XXXX, and subsequent escalation on XX/XX/XXXX, Experian has failed to supply any proof from XXXX XXXX to justify the balance or charge-off status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account was first disputed in XX/XX/XXXX due to inaccuracies in the reported balance and charge-off status : Charge-Off Status and Balance Verification : The account shows a charged-off status with a balance due, which I dispute. I requested Experian to : Provide debt verification directly from XXXX XXXX. 
Supply the original contract substantiating my responsibility for this debt. 
Deliver a purchase agreement and detailed investigation report outlining Experians verification process. 

Despite my initial dispute and follow-up requests, Experian has marked this account as verified without providing documentation or proof that a legitimate investigation took place.

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