Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureau continues to ignore my complaints regarding XXXX XXXX XXXX. I have provided documented proof of incorrect reporting, yet the credit bureau continues to validate the incorrect information through the company. 

I have submitted multiple complaints and disputes to the credit bureaus regarding XXXX XXXX in accurate reporting since XX/XX/XXXX with the credit bureau and CFPB. Nothing continues to be done regarding the abuse and violation of my rights as a consumer. 

Complaint XXXX Submitted to the CFPB on XX/XX/XXXX informed the credit bureau of the misreporting of payment information. The credit bureau reached out to XXXX XXXX to investigate the account. The investigation did not yield any changes. The results of the investigation indicated the payment history reporting to my profile was correct. The credit bureau did not provide any verification of payment history or dates of required payments. The lack of verification documentation should have yielded a change in the reporting status of the account. However, it did not. 

1. XXXX XXXX XXXX reports 50 % of the original balance of {$18000.00} has been paid off on my credit profile with XXXX, XXXX, and Experian. 
2. XXXX XXXX XXXX also reports {$12000.00} dollars has been written off on my credit profile with XXXX, XXXX, and Experian. 
3. XXXX XXXX XXXX reports there is a remaining balance of {$9500.00} past due as of XX/XX/XXXX on my credit profile with XXXX, XXXX, and Experian. 
4. XXXX XXXX XXXX has defrauded the government by writing off an access amount of {$3000.00} that what is claimed to be owed. 
5. XXXX XXXX services is reporting incorrect different last payment dates on my credit profile with XXXX, XXXX, and Experian. 
6. XXXX XXXX XXXX reports different account closure dates across XXXX, XXXX, and Experian on my credit profile. 
7. XXXX XXXX XXXX reports different payment history across XXXX, XXXX, and Experian on my credit profile. 

I have submitted complaint number XXXX on XX/XX/XXXX with documented proof of the continued incorrect payment reporting and discrepancies across XXXX, XXXX, and Experian. I have requested the immediate removal of the tradeline from my report due to the continued derogatory effects of the inaccurate reporting. 

The credit bureau has not removed nor blocked the reporting of the information. Instead, the credit bureau again, has provided the creditor more time to validate their own incorrect reporting regardless of the proof of in accurate reporting which was included in my complaint. As of XX/XX/XXXX, XXXX XXXX has changed the status yet again to CO Fixed Rate. I do not recognize or understand how the company is allowed to report incorrect information after I have provided proof to the credit bureau of the activity. 

The credit bureau is negligent and continues to violate FCRA15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The credit bureau has ignored my disputes regarding this XXXX XXXX XXXX for over 1.5 years. I demand this tradeline be removed from my credit report and blocked from reporting indefinitely.

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