Consumer complaint received 2017-05-09
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:
I had a loan with XXXX XXXX that was paid in full by my insurance companies, XXXX XXXX and XXXX Gap insurance. XXXX XXXX is reporting that I was late 30 days in XX/XX/XXXX, late 60 days in XX/XX/XXXX and the account was charged off. I contacted XXXX XXXX via US mail and directly disputed the information with them ( see attached letter dated XX/XX/XXXX ). I requested to only be contacted via mail. They responded on XX/XX/XXXX ( see attached ) claming they needed more information to properly assist me and directed me to contact them via telephone. I did not contact them, as they should not need information from me to substiate their claim that their records are accurate and they are reporting valid information to the credit reporting agencies. I recieved another letter dated XX/XX/XXXX from XXXX XXXX claiming they are reporting accurately to the credit reporting agencies, however I did not recieve any of the documentation I requested. XXXX XXXX is misrepresenting this account. I re-disputed this account directly to Experian, XXXX and XXXX certified mail return receipts ( see attached letters dated XX/XX/XXXX ). I provided copies of the checks from XXXX XXXX dated XX/XX/XXXX ( in the amount of {$22000.00} ) and XXXX dated XX/XX/XXXX ( in the amount of {$4900.00} ) which I also attached to this complaint. These are the months XXXX XXXX claims my account was 30 and 60  days past due, which is false. They also claim the amount was charged off in XX/XX/XXXX, however they claim the date of last payment was XX/XX/XXXX. How can an account be charged off the following month after recieved approximately XXXX XXXX dollars in a 5 week period. My payments were not applied appropriately. The checks from XXXX XXXX or XXXX did not specify the funds to be applied in a certain way ( i.e. principal only ), thus my account should have been reported current for the months payments were recieved on my behalf. I also responded to XXXX XXXX and sent a certified letter with return receipt requesting a complete account summary for the months of XX/XX/XXXX - XX/XX/XXXX.  ( see attached letter dated XX/XX/XXXX ). I have not recieved any response from XXXX XXXX, however, they are continuing to report this inaccurate information on my credit reprort. The credit reporting agencies have concluded their invesigations and determined that XXXX is reporting this account accurately, even after I have provided documentation and payment information that proves it is unaccurate. My due process rights are being violated. The credit reporting agencies are not investigating thoroughly, they are just taking XXXX XXXX 's word, when XXXX XXXX has not provided any proof or account history that substantiates their claim. In my disputes I requested the credit reporting agencies to provide me with the name and phone numbers of the individuals at XXXX XXXX who verified this information ( see attached letters dated XX/XX/XXXX). I have not recieved that information, however the investigations have been concluded. They are being untruthful and unethical. My rights are being violated. This account was not charged off. It is my belief that XXXX XXXX is continuing to report this unverifiable debt. They have not provided payment and account information in either of my requests, however they claim they are reporting accurately. The only thing XXXX  updated on my credit report was change the last date of payment from XX/XX/XXXX toXX/XX/XXXX. There are numerous reporting errors on this account and XXXX XXXX as well as XXXX, Experian and XXXX refuse to update it appropriately and/or delete it. I have attached all of the documentation ( letters to XXXX XXXX, Experian XXXX, XXXX, copies of certified mail return receipts, copies of checks from XXXX XXXX and XXXX, and letters from XXXX XXXX ) that was included in my disputes to XXXX XXXX, Experian, XXXX, and XXXX.

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