Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX i wrote and sent certified letters to all three credit bureaus. Experian, XXXX XXXX, and XXXX. I stated there was inaccurate information constantly being reported on my credit report. XXXXXXXX XXXX XXXXXXXX is a collection account that is reporting not only as OPEN but also shows a past due balance of {$920.00} and sometimes {$920.00} it varies every month when they report. they are also reporting late payments when there is no due date. this is a violation of the FRCA and of requisite XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX false payments with discrepancies in dates in the payment history section. claiming paid on XX/XX/XXXX then missed payment on XX/XX/XXXX of a closed/charged off listing which is also being reported as Past due in the amount of {$710.00}. this account was charged off and closed in XXXX. 
I asked all three bureaus to remove false/ inaccurate information and verify these debts if not I would like them removed. 
I got a response that everything was verified with little to no change. XX/XX/XXXX i sent a Method of verification letter asking how they did their investigation. I asked specific questions like who they spoke to and the name of the creditors with original documentation, etc. I expected a response in 15 days in accordance with FRCA 611. or it needs to be deleted. 
what I have received is a letter from Experian in a timely manner, saying the reinvestigation has been done and is verified. no other proof was provided even tho I clearly asked for detailed information about the investigation. 
i received a letter from XXXX that there is an issue with my address. did not address my actual letter. 
XXXX failed to answer at all. does not even update their information. 
XX/XX/XXXX i called all three bureaus about the letters I received. specifically, why i haven't received the proof that you did your due diligence on the investigation. I was told by emplyees of 2 out of the 3 bureaus that. '' they do not have to provide that information to me by law. the debt is verified and that is all. '' I asked to speak to someone else I was put on hold for another 30 mins and hung up on. they were rude and combative. I quoted the law to them and I was met with a refusal. and I'm still seeing reports of late payments on a collection account like it's renewed i believe they are messing with the statute of limitations and my overall credit health by reporting what they like when they like. because they don't get held responsible. what is the point of the Fair credit reporting act if they aren't going to abide by it? I feel helpless in this situation and don't know what else to do but to go forward with legal action if this does not get resolved soon.

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 non-monetary relief