Consumer complaint received 2022-03-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX was mailed a letter asking them to re-investigate multiple accounts on XX/XX/XXXX. As of today, I still have not received a letter on the reinvestigation and shocked after pulling my credit report on yesterday, XX/XX/XXXX 1. Federal loans are still showing two-year payment history incorrect, I am still confused on how on all my accounts I am good in XX/XX/XXXX, then in XXXX, I am automatically late 90 days without a 30 or 60 days late and then showing late 120 days in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All my Federal loan accounts should be in good standing.

2. XXXX XXXX  XXXX Still showing High Balance and Date of Last Activity is still not 100 % correct. This account needs to be DELETED 3. XXXX XXXX XXXX still would like information verifying that I was late on XX/XX/XXXX and XX/XX/XXXX because this account should be paid on time every month. This account needs to be DELETED 4. XXXX  XXXX -The Date of Last Activity and Last Payment is still not the same with all 3 credit reporting agencies ( 5 Months difference ) This account needs to be DELETED 5. XXXX XXXX  XXXX The following is still incorrect, Date of Last Activity, is still incorrect, Date Reported, Dispute Status and Creditor Remarks. This account needs to be DELETED. 
6. XXXX XXXX XXXX XXXX Still showing the Date of Last Activity wrong. This account needs to be DELETED. 
7. XXXX XXXX XXXX XXXX -Still have not sent me anything that can verify me to this account that I owe XXXX XXXX XXXX. This account needs to be DELETED. 

XXXX was mailed a letter asking them to re-investigate multiple accounts on XX/XX/XXXX. As of today, I still have not received a letter on the reinvestigation and shocked after pulling my credit report on yesterday, XX/XX/XXXX XXXX. Federal loans are still showing two-year payment history incorrect, I am still confused on how on all my accounts I am good in XX/XX/XXXX, then in XXXX, I am automatically late 90 days without a 30 or 60 days late and then showing late 120 days in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All my Federal loan accounts should be in good standing.

2. XXXX XXXX XXXX Still showing High Balance and Date of Last Activity is still not 100 % correct. This account needs to be DELETED 3. XXXX XXXX XXXX still would like information verifying that I was late on XX/XX/XXXX and XX/XX/XXXX because this account should be paid on time every month. This account needs to be DELETED 4. XXXX XXXX -The Date of Last Activity and Last Payment is still not the same with all 3 credit reporting agencies ( 5 Months difference ) This account needs to be DELETED 5. XXXX XXXX  XXXX The following is still incorrect, Date of Last Activity, is still incorrect, Date Reported, Dispute Status and Creditor Remarks. This account needs to be DELETED. 
6. XXXX XXXX XXXX XXXX Still showing the Date of Last Activity wrong. This account needs to be DELETED. 
7. XXXX XXXX XXXX have not sent me anything that can verify me to this account that I owe this. This account needs to be DELETED. 

Experian was mailed a letter asking them to re-investigate multiple accounts on XX/XX/XXXX. As of today, I still have not received a letter on the reinvestigation and shocked after pulling my credit report on yesterday, XX/XX/XXXX 1. Federal loans are still showing two-year payment history incorrect, I am still confused on how on all my accounts I am good in XX/XX/XXXX, then in XXXX, I am automatically late 90 days without a 30 or 60 days late and then showing late 120 days in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All my Federal loan accounts should be in good standing.

2. XXXX XXXX  XXXX Still showing High Balance and Date of Last Activity is still not 100 % correct. This account needs to be DELETED 3. XXXX XXXX XXXX still would like information verifying that I was late on XX/XX/XXXX and XX/XX/XXXX because this account should be paid on time every month. This account needs to be DELETED 4. XXXX XXXXXXXX -The Date of Last Activity and Last Payment is still not the same with all 3 credit reporting agencies ( 5 Months difference ) This account needs to be DELETED 5. XXXX XXXX XXXX have not sent me anything that can verify me to this account that I owe this. This account needs to be DELETED.

6. XXXX XXXX XXXX XXXX- Still have not sent me anything that can verify me to this account that I owe this, This account needs to be DELETED.

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