Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: CA
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 have opened up multiple disputes in the past to get information on my credit report verified and updated to 100 % completeness and accuracy but there is still inaccuracies and incompleteness being reported on all of my credit reports the following are previous disputes opened on Experian.com -Report Number XXXX Date Generated XX/XX/XXXX -Account Name : XXXX ( UPDATED XXXX -Account Name : XXXX XXXX XXXX XXXX  ( PROCESSED ) -Report Number XXXX Date Generated XX/XX/XXXX -Account Name : XXXX XXXX XXXX XXXX ( REMAINS ) -Report Number XXXX Date Generated XXXX XXXX, XXXX -Account Name : XXXX ( UPDATED ) -Account Name : XXXX XXXX XXXX XXXX  ( REMAINS ) XXXX Name : XXXX XXXX XXXX ( PROCESSED ) -Report Number XXXX Date Generated XX/XX/XXXX -Account Name : XXXX ( VERIFIED AND UPDATED ) -Account Name : XXXX XXXX XXXX ( PROCESSED ) -Account Name : XXXX XXXX XXXX XXXX ( REMAINS ) -Report Number XXXX Date Generated XX/XX/XXXX -Account Name : XXXX XXXX XXXX ( PROCESSED ) -Report Number XXXX Date Generated XX/XX/XXXX -Account Name : XXXX ( VERIFIED AND UPDATED ) -Account Name : XXXX XXXX XXXX ( PROCESSED ) -Account Name : XXXX XXXX XXXX XXXX ( REMAINS ) The following are disputes submitted to the CFPB -Complaint ID : XXXX EXPERIAN XX/XX/XXXX ( CLOSED ) -Complaint ID : XXXX XXXX XX/XX/XXXX ( CLOSED ) -Complaint ID : XXXX XXXX XX/XX/XXXX ( CLOSED ) -Complaint ID : XXXX XXXX XX/XX/XXXX ( XXXX ) -Complaint ID : XXXX XXXX XX/XX/XXXX XXXX CLOSED ) -Complaint ID : XXXX EXPERIAN XX/XX/XXXX ( CLOSED ) According to consumer law 15 U.S Code 1681i - Procedure in case of disputed accuracy account need to be updated to 100 % accuracy and 100 % completeness after a RE-INVESTIGATION ( the second dispute ) or MUST BE DELETED FROM THE CONSUMER CREDIT REPORT IF THEY CAN NOT BE UPDATED TO 100 % ACCURACY AND COMPLETENESS The following accounts are still being reported inaccurately and incomplete -ACCOUNT NAME : SECURITY CREDIT SERVIC EXPERIAN -ACCOUNT NAME : XXXX XXXX XXXX XXXX -Why are the ACCOUNT NAMES being reported differently? 
-ACCOUNT NUMBER : XXXX EXPERIAN XXXX NUMBER : XXXX XXXX -Why are the ACCOUNT NUMBERS being reported differently? 
-OPENING DATE : XX/XX/XXXX EXPERIAN XXXX DATE : XX/XX/XXXX XXXX -LAST PAYMENT MADE : XX/XX/XXXX XXXX -How can there be a payment made BEFORE the alleged opening date on the XXXX report? 
-Why does EXPERIAN have a different OPENING DATE then XXXX XXXX 
-Why does XXXX not have a PAYMENT HISTORY available? 
-Why is the PAYMENT HISTORY on EXPERIAN only from XX/XX/XXXX to XX/XX/XXXX? 
-Where is the previous PAYMENT HISTORY on EXPERIAN from the alleged OPENING DATE XX/XX/XXXX to XX/XX/XXXX? 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN -Why are two different address being reported for the contact info? 
-ACCOUNT TYPE : Collection EXPERIAN -ACCOUNT TYPE : Open Account XXXX -Why is this account listed as a collection on EXPERIAN but listed as open on XXXX? 
-THIS ACCOUNT WAS NOT UPDATED TO 100 % ACCURACY AND 100 % COMPLETENESS IN A TIMELY MANNER : CONSUMER LAW STATES THIS ACCOUNT MUST BE DELETED FROM MY CREDIT REPORTS -ACCOUNT NAME : XXXX XXXX XXXX XXXX  EXPERIAN -ACCOUNT NAME : XXXX XXXX XXXX -ACCOUNT NAME XXXX XXXX XXXX XXXX -Why is the ACCOUNT NAME different on EXPERIAN? 
-ACCOUNT NUMBER : XXXX XXXX XXXX XXXX NUMBER : XXXX XXXX -ACCOUNT NUMBER XXXX XXXX EXPERIAN -Why are the account numbers different on each report? 
-ACCOUNT TYPE : Secured loan EXPERIAN -ACCOUNT TYPE : Revolving Account XXXX -ACCOUNT TYPE : Revolving XXXX -Why is the ACCOUNT TYPE different on EXPERIAN? 
-LOAN TYPE : Secured XXXX -LOAN TYPE : CHARGE ACCOUNT XXXX -Why is the LOAN TYPE different between XXXX and XXXX XXXX 
-PAYMENT HISTORY : XXXX is listed as CURRENT/TERMS MET EXPERIAN -PAYMENT HISTORY : XXXX XXXX listed as OK XXXX -PAYMENT HISTORY : XXXX is listed PAID ON TIME XXXX XXXXWhy is the PAYMENT HISTORY different on all XXXX reports XXXX 
-THIS ACCOUNT WAS NOT UPDATED TO 100 % ACCURACY AND 100 % COMPLETENESS IN A TIMELY MANNER : CONSUMER LAW STATES THIS ACCOUNT MUST BE DELETED FROM MY CREDIT REPORTS -ACCOUNT NAME : XXXX EXPERIAN XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXWhy is the account name different? 
-PAYMENT HISTORY : XXXX EXPERIAN -PAYMENT HISTORY XXXX XXXX XXXX -PAYMENT HISTORY : XXXX XXXX XXXX is the payment history different? 
-CONTACT INFO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX -CONTACT XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXWhy is the CONTACT INFO different? 
-THIS ACCOUNT WAS NOT UPDATED TO 100 % ACCURACY AND 100 % COMPLETENESS IN A TIMELY MANNER : CONSUMER LAW STATES THIS ACCOUNT MUST BE DELETED FROM MY CREDIT REPORTS

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