Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: NY
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:
I recently got my dispute results back from Experian and they HAVE NOT DONE ANYTHING THE DISPUTE LETTER ASKES FOR AND I PROVIDED PROOF. I was given goodwill adjustments ; A LEGALLY BINDING DOCUMENT, i might add from a couple of creditors. I sent those letters into Experian because each letter CLEARLY illustrates that THEY ARE EXTENDING A COURTESY TO HAVE MY LATE PAYMENTS REMOVED. After the i checked the results of this past dispute the late payments still remain on my credit file. I HAVE A LEGALLY BINDING DOCUMENT FROM THE CREDITORS ILLUSTRATING THAT MY LATE PAYMENTS MUST BE REMOVED, WHY IS IT, THAT THE LEGALLY BINDING DOCUMENT IS NOT BEING HONORED.. On my XXXX XXXX account ( XXXX ), XXXX XXXX XXXX XXXX account ( XXXX ), and my XXXX XXXX account ( XXXX ) there are 30 day late payments reporting. I have gotten a goodwill adjustment from all companies stating that the late payments can be removed as a courtesy. That same letter was sent to your bureau however, every time I try to dispute those late payments you reject the dispute even though the goodwill adjustment was extended to me. This is a clear violation of 15 USC 1681E. As a direct result of your violation of my rights I would like those late payments to be removed immediately and I will attach the letters to this dispute for your reference. 
The following late payments need to be deleted : 1 ) XXXX XXXX : XXXX 2 ) XXXX XXXX XXXX XXXX : XXXX 3 ) XXXX  XXXX : XXXX I also asked for the 15 inquiries on my Experian Credit File to be verified and i wanted proof of my hand written signature giving these creditors permission to check my credit file. If they could not be verified with my signature i wanted the inquiries to be deleted because they are inaccurate, that was not done and the inquiries still remain on my credit file and that part of the dispute letter was completely IGNORED BY EXPERIAN.. The unverifiable hard inquiries on my credit file are in direct violation of 15 USC 1681B. The following hard inquiries need to be verified or removed off of my credit report ; 1 ) XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX 2 ) XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 3 ) XXXX Card Inquiry Date : XX/XX/XXXX 4 ) XXXX Of XXXX inquiry Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX inquiry Date : XXXX XXXX After pulling my credit report I noticed that on my XXXX Account XXXX XXXX ) that several inaccuracies and your credit reporting is not matching the other two credit bureaus reporting. This is a direct violation of 15 USC 1681E and I would like Experian to provide me with some form of documentation from the creditor such as a statement illustrating that I was in fact late otherwise update this late payment as paid as agreed. For the months of XXXX and XXXX your bureau has me as 30 days late for XXXX then 60 days late for XXXX and last 30 days late for XXXX. On my XXXX and my XXXX, it states that the account is in good standing for XXXX and 30 days late for XXXX and in good standing in XXXX. Its to my understanding that all bureaus are supposed to have the same reporting. This error has caused me much hardship over the past year. I was also under the impression that you report 30 days late then after 30 days have passed if the account is not settled then you report 60 days late. If the account is still not settled, then it would go to 90 days. According to your report I was late three consecutive months in a row why is it reporting as 30 days late for the month of XXXX, 60 days late for the month of XXXX and 30 days late for the month of XXXX. The other credit bureaus are not reporting the aforesaid and I would like this to be fixed immediately. I have attached a picture of my credit file and will be also attaching my credit report. 

After pulling my credit file I noticed some inaccuracies on my XXXX XXXX account ( XXXX ) For the month of XX/XX/XXXX, I was reported 60 days late. However, on the month of XX/XX/XXXX my account was in good standing. This inaccuracy is in direct violation of 15 USC 1681E and I would like experian to provide me with some form of documentation from the creditor such as a statement illustrating that I was in fact late otherwise update this late payment as paid as agreed. This error has caused me much hardship over the past year, it has ultimately affected my ability to qualify for housing, reasonable financing terms, credit cards, and it is painting a false picture of my character. Its to my understanding that you have to be 30 days late before you can be 60 days late. If XXXX XXXX reported my account in good standing in XXXX of XXXX how can I be 60 days late in XXXX of XXXX. There arent 60 days in a month. This inaccuracy needs to be addressed and changed to paid. 

I also asked for my credit files to be updated and i wanted a copy of my credit file once my credit report was fixed. I DID NOT RECIEVE ANY COPY OF MY CREDIT FILE AND THAT PART OF THE DISPUTE WAS COMPLETELY IGNORED. I need all accounts to be updated and my monthly payment to be updated because as it stands right now it is incorrect. According to my credit file youre reporting that my monthly installments are {$1200.00} and I have a total balance of XXXX. I dont believe this to be true and the other two bureaus are reporting something completely different. This is a violation of my rights and are affecting my ability to qualify for housing, reasonable financing terms, credit cards, and it is painting a false picture of my character. The following things need to be addressed during this investigation. 
XXXX ) Delete the late paymenst as goodwill adjustment requested : XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX ) The following hard inquiries need to be verified or removed off of my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX/ XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ) XXXX  XXXX  Inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX inquiry Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX inquiry Date : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX Date : XXXX XXXX XXXX ) XXXX Payments need to be removed due to inaccuracy : XXXX Account ( XXXX XXXX XXXX XXXX account ( XXXX XXXX MY LAST DISPUTE WAS COMPLETELY IGNORED AND EXPERIAN ONLY HONORED 1/4 OF THE DISPUTE. I WOULD LIKE TO KNOW EXACTLY HOW EXPERIAN HAVE BEEN CONDUCTING THEIR PAST REINVESTIGATION BECAUSE I DO NOT BELIEVE THAT THEIR INVESTIGATION ARE FAIR AND LAWFUL. I WAS NOT GIVEN A COPY OF MY CREDIT FILE LIKE ASKED IN THE END OF THE DISPUTE AND NONE OF MY REQUEST WAS HONORED. LATE PAYMENTS AND UNVERIFIED ACCOUNTS STILL REMAIN ON MY CREDIT FILE EVEN THOUGH I HAVE A LEGALLY BINDING DOCUMENT ILLUSTRATING THAT THE LATE PAYMENTS CAN BE REMOVED. THIS HAS BEEN AN ONGOING THING AND EVEN TIME I WRITE A DISPUTE IT IS NOT HONORED AND IGNORED EVEN THOUGH I AM PROVIDING PROOF STRAIGHT FROM THE CREDITOR. I AM CURRENTLY XXXX  THANKS TO THE CREDIT BUREAUS. I AM FORCED TO LIVE IN MY CAR BECAUSE MY CREDIT SCORE IS TOO LOW DUE TO ALL OF THE INACCURACIES ON MY CREDIT FILE. EXPERIAN DOES NOT CARE THAT I AM XXXX  AND THAT THEY CONTINUE TO XXXX  ME. I HAVE GOTTEN HOSPITALIZED FOR XXXX BECAUSE OF THIS ON GOING BATTLE WITH EXPERIAN TO REMOVE INFORMATION THAT SHOULD HAVE BEEN REMOVED. I CRY MYSELF TO SLEEP EVERYDAY IN MY CAR THINKING ABOUT ENDING IT ALL BECAUSE I CANT DO ANYTHING BECAUSE MY CREDIT SCORE IS SO LOW DUE TO THE INACCURACIES. I HAVE TOLD EXPERIAN SEVERAL TIMES THAT THEYRE ISSUES WITH MY CREDIT FILE AND THEY CONTINUE TO IGNORE ME. I AM BEYOND TIRED, I AM BEYOND DONE. I JUST WANT MY CREDIT FIXED SO THAT I CAN QUALIFY FOR AN APARTMENT AND JOB. I CAN NOT GET A JOB ANYMORE BECAUSE THE LINE OF WORK I AM IN THEY CHECK YOUR CREDIT SCORE BEFORE YOU CAN GET THE JOB. PLEASE CFBP, PLEASE HELP ME. I URGE YOU, MY RIGHTS ARE BEING VIOLATED AND I DONT KNOW WHAT TO DO. I HAVE THOUGHT ABOUT ENDING IT BECAUSE THEY WONT LISTEN AND THEIR IS NOTHING I CAN DO BECAUSE THEY HAVE ALL THE POWER.

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