Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XXXX XX/XX/XXXX XXXX XXXX responded to CFPB complaint XXXX claiming that they would report an account as charged-off since the account was allegedly charged-off on or around XXXX XX/XX/XXXX. Note, that charge-off took place due to XXXX own negligence in generating and mailing paper statements and providing inadequate information for a XXXX person, me, to service my account. Note, XXXX own collections agent returned the account to XXXX on or around XXXX XX/XX/XXXX, with an effective date on or around XXXXXXXX XXXX XXXX XXXX citing my alleged concerns surrounding XXXX having violated multiple regulations and laws surrounding banking, consumer protection, and the ADA. On or around XXXX XX/XX/XXXX I examined my Experian credit file to find continued false/misleading/inaccurate information for the account/tradeline. While XXXX furnished updated information for the account as charged-off for the month of XX/XX/XXXX, the Experian credit file continues to report the account with inaccurate status for the months { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  }. For those two ( 2 ) periods the account/tradeline continues to report past-due statuses that advance each month by thirty ( 30 ) days past-due. Now, Experian responded to CFPB complaint XXXX claiming on XXXX XX/XX/XXXX, exactly two ( 2 ) months after filed, claiming XXXX verified the information Experian is reporting is accurate. On its face the account is not reporting with maximum possible accuracy because the account shows a first charged-off in XX/XX/XXXX. Yet, to quote XXXX in thier XXXX XX/XX/XXXX response to CFPB complaint XXXX : " it was charged off on XX/XX/XXXX. '' This is a serious issue because it gives any potential creditor, employer, or landlord the impression that the CO was a recent occurence indicating current and/or recent financial stress. This account/tradeline has been a problem for the past two ( 2 ) years because neither Experian nor XXXX has resolved the erroneous reporting for this account.By XXXX XXXX XXXX XXXX and Experian had at least thirteen ( 13 ) separate opportunities to correct the account/tradeline in response to my CFPB complaints and/or disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Yet, in XX/XX/XXXX the account is still false/misleading/inaccurate under 15 U.S. Code 1681e. XXXX and Experian have both demonstrated that neither, on their own, or in concert, have the ability to correct this account/tradeline. The false/misleading/inaccurate payment history started in XX/XX/XXXX when XXXX changed its collections agent and knew, or had reasonable cause to know, I was : a ) not receiving statements, b ) being given inaccurate information by XXXX for me to service my account electronically, c ) a disabled individual. Yet, even after receiving multiple billing error notices prior to the XXXX XX/XX/XXXX charge-off, XXXX failed to conduct billing error investigations. It was unfair and unlawful for the account to be charged-off without conducting billing error investigations to determine why I was not receiving paper statements and was receiving false information to service my account. Given within at least one of the billing error notices I informed XXXX that I was XXXX due to both a XXXX  condition AND XXXX  even explaining the resulting conditions of photo -- and phono -- XXXX, it was unfair, unlawful, and abusive for XXXX not to provide me with access to both paper and electronic statements. It was unfair, unlawful, and abusive for XXXX to provide false information to service my account, even denying me access to the normal XXXX web portal to check and pay alleged billing statements. It was unfair, unlawful, and abusive for XXXX to then charge-off the account, after engaging in unfair and deceptive acts and practices, and to subsequently repprt false/misleading/inaccurate information for the account, that even if technically accurate, gave ( and continues to give ) a misleading impression that has resulted in a failure for me to obtain stable housing. None of this is acceptable. Any reasonable individual would conclude this account/tradeline is riddled with errors and irreconcilable. Any reasonable individual would believe the only remedy at this point would be to either delete the entire account/tradeline and/or to remove any and all derogatory payment history from the XX/XX/XXXX onward. There is zero ( 0 ) reason why Experian does not know and/or should not know the account/tradeline is not being reported accurately as defined under 15 U.S. Code 1681e. The only reason it would not now is because it has failed to actually conduct an investigation and or re-investigations.

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