Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: TX
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:
This complaint is against Experian and there unfair practices. 

XX/XX/XXXX I sent experian a dispute for account XXXX XXXX XXXX  XXXX  on my consumer file for the fact that experian is reporting a Inaccurate Payment History specifically the Original Charge Off Date. 

XX/XX/XXXX XXXX had sent me a response from my direct dispute I sent to them and the company provided me with specific information I had requested. 

XX/XX/XXXX Experian generated me with results with report number XXXX and the results for the XXXX XXXX XXXX XXXX  account was Updated. As I look over my AFTER dispute results I noticed that the payment history was NOT updated to the maximum possible accuracy in specification the reason for my previous dispute the original charge off date. In fact, the payment history is reporting the exact same as my before dispute report. The Updates experian did was on the Status for a past due {$1700.00} for XX/XX/XXXX, Balance Updated to XX/XX/XXXX and a additional charge off remark for XX/XX/XXXX. Experian completely ignored my dispute and instead updated non relevant information. In addition, there is NO notice that this account had been disputed by the consumer on my before and after dispute results. In my XX/XX/XXXX dispute I also included that Expreian did NOT fix the On Record Until XX/XX/XXXX error and there was NO notice that the account had been disputed by the consumer on my XX/XX/XXXX results. My AFTER dispute results still reflect the following errors that experian refuses to fix. 

STATUS UPDATED XX/XX/XXXX ( this is wrong and NOT the last activity on this account ). Previously disputed and not fixed. 
ON RECORD UNTIL XX/XX/XXXX ( this is wrong and NOT what XXXX has in there files, 1681c ( c ) VIOLATION. Experian has re-aged this account ). Previously disputed and not fixed. 
PAYMENT HISTORY ORIGINAL CHARGE OFF DATE XX/XX/XXXX ( this is wrong and NOT what XXXX has in there files ). Previously disputed and not fixed. 
COMMENT CURRENT ACCOUNT CLOSED AT CONSUMERS REQUEST ( why is there no notice that this account has been disputed by the consumer 1681s-2 ( a ) ( 3 ) and 1681c ( f ). How can experian complete there reinvestigation without communicating with the creditor? XXXX had responded to my direct dispute XX/XX/XXXX so a notice of dispute should have been included on my After dispute results. Previously disputed and not fixed. 

Included with my results was a statement from Experian that says the following We reviewed documentation you provided with your dispute, but determine that it was NOT sufficient to make the changes or deletion you requested. This Statement is completely FALSE because the same information the creditor sent me is the same information I sent into experian attached to my previous dispute. There is NO valid reason why experian denied that documentation. I believe experian is refusing to delete inaccurate information which is a FCRA 1681i ( a ) ( 5 ) ( A ) ( i ) VIOLATION. Also attached to my results is a statement that says disputed item not listed on credit report this is also FALSE because this inaccurate item still remains on my consumer file. Experian also explains If you believe the information in your person credit report is inaccurate, you may submit a dispute to us. If ANY item of information is found inaccurate, incomplete or can not be verified through our dispute process, we will then DELETE that information, or modify that information as appropriate. 

I dont know what Experian is doing with there policy procedures but they are NOT following FCRA compliance procedures that are put into place for them to follow. Instead they are practicing unlawful unfair and illegal practices by ignoring my dispute and updating irrelevant information. My letters to there company are very simple and explain the basis of my specific disputes and experian still cant comprehend the reason for my disputes enough to fix the specific errors. If information is inaccurate and was not modified correctly then this account can not be verified as accurate, therefor this account should have been deleted per FCRA law. XXXX XXXX XXXX XXXX  has stated in there letter We sent your latest account information to the consumer reprorting agencies. Experian is NOT reporting what the creditor has provided to them to report, and for experians fault in doing so I request for this account to be deleted under law.

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