Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed the information being reported by XXXX with Experian, requesting that they perform a full investigation into all the information being reported by XXXX because it was not only inaccurate, but also reporting differently with XXXX. Within a couple of days, Experian claimed the investigation was complete and did not change any information. Report number XXXX. I've attached the way Experian was reporting before the dispute and the way they are reporting after the dispute for your review. 

I disputed the information being reported by XXXX with XXXX, also requesting a full investigation. After a few days, XXXX claimed the investigation was complete and they also did not make any changes to the information they are reporting. I've attached the notification that the investigation was completed and also a copy of how XXXX is reporting the information after the dispute. 

Experian has no date of first deliquency listed, but shows the information will remain on my report until XX/XX/XXXX. XXXX shows the date of first deliquency as XX/XX/XXXX. Furthermore, the payment history that Experian reports is not the same as the payment history XXXX reports. I can not get anyone on the phone with XXXX and when I get Experian on the phone, they make excuses and give me conflicting answers. 

I am infuriated at the way these companies are allowed to do business. This is affecting my ability to obtain credit and survive. I have submitted several disputes to both companies in the last couple of years trying to clean up my credit report, but it has been a waste of my time because they do not investigate my disputes. How can either company claim they've done an investigation and they are reporting accurately when both companies are reporting different information on the same alleged debt. How exactly did the credit agencies perform these investigations? 

Lastly, I have had issues with fraud on my bank account. I put a freeze on my chexsystems report. In reviewing my credit reports, I noted all three companies had multiple names and multiple addresses listed for me so I disputed all the inaccurate names and addresses. XXXX and XXXX updated my file based on the information I provided. Experian is still reporting multiple inaccurate names and addresses despite my spending time and money sending disputes via certified mail. Experian claims that they can not remove any of the XXXX spellings they have for my name or the 4 different addresses they have for me because creditors, including creditors that are currently reporting inaccurate information, have reported these addresses and names. I have a very common name and I have reason to believe these credit reporting agencies have mixed my credit. I should have one name and one address.

If credit reporting agencies are going to lie and claim they are investigating disputes they are, in fact, not investigating how can we trust these companies to accurately report consumers credit information? I've requested investigations over and over and nothing happens. They've had multiple opportunities to do what they are supposed to do, yet they do not. They should NOT be reporting ANY information that has not been verified as being accurate once a consumer disputes it. The original creditor simply sending the same inaccurate information over and over and the credit reporting agencies simply allowing it to stick is unacceptable. Lastly, I wrote to XXXX XXXX requesting a full investigation into all the information they were reporting to Experian and XXXX and they never responded. So, what response did the credit reporting agencies from them in a matter of 3 days?

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