Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: VA
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 made multiple disputes with XXXX  and Experian. I sent out dispute letters XX/XX/XXXX to both XXXX  and Experian. I sent out another round of letters XX/XX/XXXXafter not receiving results and another round of letters XX/XX/XXXX. My issue is that I have old student loans XX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX accounts that were paid due to garnishments in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXXthat I still have on my account. All of these accounts are XXXX  balance and well beyond the Date Of First Delinquency. They were initially XXXX XXXX accounts that were picked up by their collections department XXXX. I have 6 accounts under XXXX and 4 under XXXX  on my credit reports. XXXX is a collections agency under XXXX. I called XXXX  XX/XX/XXXX XXXX XXXX to ask for the date of first delinquency because I know i am well beyond the 7 or even 10 year period. I spoke with multiple agents and they informed me that my balance was {$0.00} and that they do not have the date of first delinquency for the accounts and that XXXX  would have them. I called XXXX XX/XX/XXXX XXXX and was told they could not find anything on my account. I asked to speak with a supervisor, I spoke with a supervisor by the name of XXXX and asked if they can not find any information on my account than how was it verified with the credit bureaus? He did not have a answer and directed me to XXXX XXXX who told me if you were a XXXX customer they no longer had my information. I called Experian XX/XX/XXXX XXXX XXXX and explained to them the situation and asked them how could they verify when the company does not have my information? The representative told me that they send the dispute out and that when the creditor responds that the account is verified, that is what they report. This can not be what the FCRA meant by an investigation period. The representative advised me to call the CFPB or my Attorney General or if i could get it in writing that the creditors no longer had my information would do the trick. I called the Attorney Generals office but it was a brick wall so I called XXXX again to try and get the no information letter. I spoke with a representative named XXXX XX/XX/XXXX XXXX XXXX and she looked very hard and to my surprise said she found it. She told me the Date of first Delinquency was XX/XX/XXXX and that the account was 136 days delinquent. I asked for a email of the document but they did not send emails to customers so i pleaded that she save that information so that it would be easy to find. She put in a request that a letter be sent out. XX/XX/XXXX XXXX  fell off of my XXXX leaving the 4 XXXX  accounts. Experian 6 XXXX and 4 XXXX accounts remaining. XX/XX/XXXX I called XXXX to see if the letter had be approved for sending or had been sent but nothing. I spoke with a XXXX  and she could not find the DOFD so I asked if she could send a letter saying they do not have it and she made the request. Called XXXX XX/XX/XXXX to see about the letter. The representative said it had been sent out. I received the letter XX/XX/XXXX and it had nothing to do with the Date of first Delinquency or that they no longer had the information. they sent me bills from XX/XX/XXXX along with account numbers of all the accounts XXXX/ XXXX  . I called that day but no help

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