Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit Report. I received dispute results 30 days later but there are still inaccuracies on my credit report and violations as well. I then sent more dispute letters pertaining to the errors and bad reporting and no resolution has came from the errors on my credit report and those errors are I feel like I'm being taken advantage of and being ignored of my disputes. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I am also familiar with 15 U.S.C. Sec. 1681 ) ( a ) I heard that if you can't provide proof, these accounts must be deleted. Well I want this account deleted according to this law, it's not XXXX percent right and correct. 

XXXX. XXXX Account XXXX XXXX Payment history errors that have not been corrected since XX/XX/XXXX : XXXX showing payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, june XXXX XXXX Experian is not showing payments on those above dates XXXX shows no payment history XXXX shows a high balance, XXXX and experian does not show a high balance Status Update : XXXX showing XX/XX/XXXX Experian showing XX/XX/XXXX XXXX shows XX/XX/XXXX XXXX update : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number XXXX Payment history errors that have not been corrected since XX/XX/XXXX : XXXX showing on time payment XX/XX/XXXX Experian is not showing payments on the above date XXXX not reporting no payment entry XX/XX/XXXX Experian shows CO XX/XX/XXXX XXXX shows no payment history XXXX shows a high balance, XXXX and experian does not show a high balance Status Update : XXXX showing XX/XX/XXXX Experian showing XX/XX/XXXX XXXX shows XX/XX/XXXX XXXX. XXXX CARD XXXX Payment history errors that have not been corrected since XX/XX/XXXX : XXXX showing 6 late payments Experian showing 6 late payments XXXX shows no payment history XXXX shows on time payment on XX/XX/XXXX but no reported payment status on experian on that same date XXXX shows a high balance, XXXX and experian does not show a high balance Status Update : XXXX showing XX/XX/XXXX Experian showing XX/XX/XXXX XXXX shows XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX Payment history errors that have not been corrected since XX/XX/XXXX : XXXX no showing the original amount XXXX XXXX showing no payment history XXXX showing not reporting XX/XX/XXXX Experian shows CO XX/XX/XXXX XXXX shows no payment history XXXX and XXXX does not show a high balance, experian show high balance Status Update : XXXX showing XX/XX/XXXX Experian showing XX/XX/XXXX XXXX shows XX/XX/XXXX XXXX. XXXX XXXX Account number XXXX Payment history errors that have not been corrected since XX/XX/XXXX : XXXX showing open date of XX/XX/XXXX but no payment history until XX/XX/XXXX XXXX is showing no reported payments on XXXX and XX/XX/XXXX, Experian showing on time payments on those dates as payments all of XXXX and XXXX. 
Experian showing status update XX/XX/XXXX, XXXX showing status update XX/XX/XXXX, XXXX status update XX/XX/XXXX XXXX shows no payment history but shows balance updated XX/XX/XXXX, experian shows balance update as of XX/XX/XXXX I have disputed the errors before in which Experian says it's been resolved and XXXX shows no information on my investigation, and XXXX shows dispute resolved. 


Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report some reports have not been investigated while others have and errors still are present so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me.

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