Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter last year XX/XX/XXXX for verification of accounts on my credit report. The XXXX accounts were not resolved. I spoke with XXXX XX/XX/XXXX addressing the student loan accounts. A XXXX representative, XXXX, stated there records were showing, I had never been late and they have not reported any late payments to the credit bureaus and was on a three way call with me and XXXX to confirm however XXXX stated they can't do disputes over phone. I spoke with another XXXX representative later, XXXX, said they did report in XX/XX/XXXX one 90 day late payment but not How can these accounts be verified if they are not complete or accurate. XXXX is showing multiply 90 day late payments and one 120 day late payment from XXXX. But in comparison XXXX only stated one 90 day late payment. XXXX dates for 90 day late payments are XX/XX/XXXX & XX/XX/XXXX. The XX/XX/XXXX is inaccurate. XXXX shows a 120 day late payment for XX/XX/XXXX. This also is inaccurate. XXXX stated they don't report 120 day late payments. They confirmed they did not report the 120 day late payment. Every account with XXXX are not correct and they inaccurately showing multiple unknown statuses. XXXX stated their system has information and shows a status for each period ( every month ) in their records and also what they have been reporting to ALL THREE CREDIT AGENCIES. How are these accounts being verified but not showing the accurate information OR COMPLETE ACCOUNTS. XXXX not only is reporting incomplete accounts on my credit report of DEPT OF EDUXXXX XXXX they are also not showing all accounts that are listed on my XXXX AND EXPERIAN credit reports nor what's inside of XXXXXXXX XXXX system. Also XXXX did not send me my results of the investigation, although I sent the necessary documentation via certified mail to verify my identity and also called them once I received the letter that I need to send in two identifying documents, they said they received it and that I was okay, HOWEVER NEVER RECEIVED IT, and when I asked to recieve a copy of those results, they said they do not have them after 90days. According to my disclosure rights, XXXX is required to send me results of ALL investigations from reasonable investigation and they're procedure failed me and has cost me to not have access to resources because of they're noncompliance reporting. MY ORIGINAL STATEMENT WAS AND STILL IS, IF THE ACCOUNTS LISTED COULD NOT BE VERIFIED, TO DELETE THEM! 

According to 15 USC 1681 section 602 congressional finding and statement of purpose. They have a duty to accuracy and fairness in consumer reporting. And they also have a requirement to adopt reasonable procedures for meeting the need of commerce for consumers in a manner which is fair and equable to the consumer.

Also based on 15 USC 1681 i, procedure in case of disputed accuracy 1. reinvestigation required. The agency shall delete the item from the file in accordance with paragraph 5 if the consumer report is found incomplete or inaccurate. Upon finding if the disputed information is in fact inaccurate. And this is to be conducted and deleted within 30 days of you receiving this, my request for reinvestigation.

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 non-monetary relief