Xperian Credit Reporting Agency said:
Explanation of closure
Thank you for submitting your complaint on May 27, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that there is an account on your credit report that was transferred by another creditor and you state that there is no record of the transfer. You request that the accounts be removed. At your request to conduct an investigation, we contacted the data furnishers and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. The result summary was sent to you on June 19, 2016. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. An Extended Fraud Victim Alert was added to your Experian credit report on May 13, 2016. This message, which will remain for 7 years, alerts credit grantors to verify your identification in case someone is using it without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number (if available) and address of the data furnisher who verified that information. Please note that accurate information cannot be deleted. Potentially negative items, such as missed or late payments, remains on the personal credit report for seven years from the date of the original missed payment. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at P.O. Box 9701, Allen, TX 75013. For more information regarding your credit and frequently asked questions, you may visit: http://www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian.
