Consumer complaint received 2023-05-06
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:
opened disputes with each credit bureau XXXX XX/XX/XXXX regarding inaccurate information reporting on my credit report. Also sent a notarized and certified USPS investigation request letter n XX/XX/XXXX. since then the disputes have been closed and investigations complete. I got an updated credit report on XX/XX/XXXX AFTER investigations and disputes had been closed/completed. but there is still inaccurate information being reported between each bureau. I still have not recieved a response letter here are my my tracking # XXXX XXXX XXXX XXXX According to the law 15 U.S Code 1681a - Defintions ; rules of construction. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to.

How did they complete this investigation.

the following was concluded to be " 100 % accurate '' but still shows inaccuracies. according to FRCA 15 USC 1681 everything has to be 100 % ACCURATE -Affirm account has " NO DATA '' from XX/XX/XXXX to XX/XX/XXXX on Experian report. how can that be? either a payment was made making all information after XX/XX/XXXX inaccurate or no payment was made and the proper information wasn't obtained. 
THIS ACCOUNT WAS NOT UPDATED TO 100 % ACCURACY XXXX XXXX account shows inaccurate payment history Experian reports " CURRENT/TERMS MET '' for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX... ..XXXX is reporting " UNKNOWN PAYMENT HISTORY '' ... ..XXXX  is reporting " CURRENT/TERMS MET '' for XX/XX/XXXX and XX/XX/XXXX but not XX/XX/XXXX like Experian? instead XX/XX/XXXX is reporting as " 30 days late '' on XXXX report. 
THIS ACCOUNT WAS NOT UPDATED TO 100 % ACCURACY -XXXX  XXXX account shows inaccurate payment history. Experian reports " CHARGE OFF '' for XX/XX/XXXX and XX/XX/XXXX but reports " NO DATA '' for XX/XX/XXXX. how can there be no data is the account was " charged off '' previously?... XXXX reports " UNKNOWN PAYMENT HISTORY '' ... ..XXXX  is reporting `` CURRENT/TERMS MET '' for XX/XX/XXXX and XX/XX/XXXX how can that be if Experian reports the account as charged off? Shouldnnt all bureaus be getting the same information from the same source?

THIS ACCOUNT WAS NOT UPDATED TO 100 % ACCURACY -XXXX  XXXX XXXX shows inaccurate payment history. Experian reports " COLLECTION '' for XX/XX/XXXX and XX/XX/XXXX ... ... XXXX and XXXX are reporting " UNKNOWN PAYMENT HISTORY '' ... .how can this be if all bureaus are supposed to get the same information from the same source? 
THIS ACCOUNT WAS NOT UPDATED TO 100 % ACCURACY

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