Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TX
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:
THis complaint is against XXXX and Experian because they both are reporting inaccurate different information after I had already put them on notice for blatant errors and the disputed item was never fixed. XXXX has verified that they deny to be furnishing inaccurate information to the consumer reporting agencies on XX/XX/XXXX therefore the inaccuracies are being held against the consumer reporting agencies. 

My Latest Transunion Results File Number XXXX Date Issued XX/XX/XXXX XXXX has VERIFED as ACCURATE XXXX XXXX XXXXXXXX. 

-Estimated month and year this item will be removed XX/XX/XXXX ( Experian reports different ) -Past Due {$720.00} ( NO CONTRACT a past due does not exist on a account I never had a contract with ) My Latest Results Experian generated were never provided to me but they did complete a investigation in XX/XX/XXXX. I do not know the outcome but I do know that the account still reports on my consumer file and the re-investgtaion info reads this item was updated from the processing of your dispute XX/XX/XXXX. I was going to make a separate complaint because Experian never provided me with results giving me a chance to respond accordingly, instead ill just include the FCRA violation 1681i ( a ) ( 6 ) ( A ) along with this complaint. 

I do however have results from XX/XX/XXXX Report XXXX XXXX. These particular results reflect -On Record Until XX/XX/XXXX ( XXXX XXXX different ) -Past Due {$720.00} in the Status ( NO CONTRACT a past due does not exist on a account I never had a contract with ) -Payment History ( NO CONTRACT ) -Terms ( NO CONTRACT ) Ive given XXXX XXXX a chance to provide validation and they have yet to provide any legal documentation. XXXX XXXX has only provided me with statements claiming to be validity. Without validation proof upon requested this item is not valid and is considered to be fraud. I have already made a complaint against XXXX XXXX and is awaiting for a correspondence. This same account has been investigated and reinvestigated with XXXX and Experian and they refuse to delete this item when they have been made aware of the blatant errors. Attached is also recent updated reports XXXX XX/XX/XXXX and Experian XX/XX/XXXX still reflecting different information. I belive the consumer reporting agencies have both illegally re-aged this account because both agencies are reporting XXXX different 7 year removal dates within a 2 month difference. I have provided the statements from XXXX bank showing 6 months past due for the statement closing date of XX/XX/XXXX. If this account was 6 months past due for the XX/XX/XXXX statement then the date of delinquency occurred XX/XX/XXXX. Further more proving that XXXX nor XXXX are not accurate months for this account to be federally removed, therefore both agencies have re-aged this account and is reporting inaccurate information. The same month this account went into delinquency is the same month this account is set be removed with respect to the additional 7 year time frame according to FCRA 1681c ( c ) .The very last statement that XXXX bank XXXX for the XX/XX/XXXX before XXXX XXXX  purchased the debt reads that the Payment Due Date XX/XX/XXXX, New BALANCE {$720.00}, PAST DUE {$340.00}, Minimum Payment Due {$400.00}. Both XXXX and Experian are reporting a past due of {$720.00} not {$340.00}, further more proving they are reporting blatant errors. 

I have already disputed indirectly with XXXX and Experian. I have disputed directly to XXXX XXXX and put them on notice of these specific errors on XX/XX/XXXX and they received my notice on XX/XX/XXXX tracking number XXXX at there disputing addresss XXXX XXXX XXXX, XXXX, VA XXXX. I have also submitted a complaint against XXXX XXXX and there illegal practices complaint number 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 non-monetary relief