Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: PA
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:
I can't believe that I continue to have to deal with credit reporting issues with this company. I have shown them time after time the mistakes that are being reported, and still, I get no results. This is leading down a road that i would rather not go down to get this fixed, but it looks like I'm left with no choice. 

To start, they continue to put addresses that I HAVE NEVER LIVED OR RESIDED AT! So many times, I have told you my only correct residence is XXXX XXXX XXXX XXXX XXXX XXXX is what should be listed. Nothing else! REMOVE ANY OTHER ADDRESS FROM MY CREDIT REPORT! 

The following accounts are INCOMPLETE, INACCURATE, INVIOLATION, AND TO DATE HAVE NOT BEEN GRANTED A METHOD OF VARIFICATION! Each account listed has a photo showing all the listed mistakes for each account. 

XXXX XXXX XXXX # XXXX This account has been disputed since XX/XX/2022, nowhere is that listed that this account has been disputed by me anywhere even after is says the account has been updated and verified. This is a violation. The report is also INCOMPLTE! Information is missing where it says account info. Payment history not only is incomplete but is inaccurate and repeats 120 days back-to-back months. Remove this account from my credit report immediately for violation purposes, inaccuracies and failing to submit method or verification on this account as requested on XX/XX/2022. 

XXXX XXXX XXXX This account has been disputed since XX/XX/2022, nowhere is that listed that this account has been disputed by me anywhere even after is says the account has been updated and verified. This is a violation. The report is also INCOMPLETE! Information is missing where it says account info. Payment history is incomplete, and only shows unavailable data and no positive payment history. This is very damaging to any credit report Remove this account from my credit report immediately for violation purposes, inaccuracies and failing to submit method or verification on this account as requested on XX/XX/2022. The best part is they both have different info for the same account! 

XXXX XXXX XXXX XXXX XXXX  The report is also INCOMPLTE! Information is missing where it says account info. Payment history not only is incomplete but is inaccurate and is missing positive payments. Remove this account from my credit report immediately for violation purposes, inaccuracies and failing to submit method or verification on this account as requested on XX/XX/2022. 

XXXX # XXXX This account has been disputed since XX/XX/2022, nowhere is that listed that this account has been disputed by me anywhere even after is says the account has been updated and verified. This is a violation. The report is also INCOMPLTE! Information is missing where it says account info. Payment history not only is incomplete but is inaccurate and repeats 120 days back-to-back months. No positive payment history during the first year at all is very amazing! Remove this account from my credit report immediately for violation purposes, inaccuracies and failing to submit method or verification on this account as requested on XX/XX/2022. 

XXXX XXXX XXXX XXXX  This account has been disputed since XX/XX/2022, nowhere is that listed that this account has been disputed by me anywhere even after is says the account has been updated and verified. This is a violation. The report is also INCOMPLTE! Information is missing where it says account info. Payment history not only is incomplete but is inaccurate and repeats 120 days back-to-back months. Remove this account from my credit report immediately for violation purposes, inaccuracies and failing to submit method or verification on this account as requested on XX/XX/2022. 



XXXX XXXX XXXX XXXX Please tell me how the same account from XXXX XXXX is on my report with the same account number one being a charge off and the other being paid satisfactory with exceptional payment history? Mind you, that this account also came back as verified, accurate and updated! Nowhere does is say it was disputed, which also is a violation, but both accounts read completely different, incomplete with missing data! REMOVE both accounts from my credit report! 

XXXX XXXX XXXX # XXXX This account is INCOMPLETE! It is missing information data and shows no payment history at all! When opened was the account already a charge-off? Delete this account for inaccurate information, incomplete information and failing to provide method of verification! 

XXXX XXXX # XXXX The report is also INCOMPLTE! Information is missing where it says account info. Payment history not only is incomplete but is inaccurate. Remove this account from my credit report immediately for violation purposes, inaccuracies and failing to submit method or verification on this account as requested on XX/XX/2022. 

CFPB Please issue payments from these violations of {$1000.00} as this company has had plenty opportunities to correct these errors or remove the accounts.

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