Consumer complaint received 2021-03-08
Company: Experian Information Solutions Inc.
State: TX
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 an account ( XXXX ) on my Experian report that has inaccurate and incomplete information. 

I have been disputing with Experian to have the account deleted due to these inaccuracies yet, the report keeps coming back verified as being my account and that's never been my dispute. 

I also asked for the method and contact information of the furnisher of data as part of the investigation of my dispute and I never received what I requested. 

Even though the account was disputed, the ( Furnisher ) has not reported it as such in the comment section. It shows a Consumer Statement item disputed by consumer. But I never submitted a statement to Experian other than my disputes. 
Its the furnishers responsibility to post that comment in the comment section not Experian. 

Last Reported : shows XX/XX/XXXX for Experian and XX/XX/XXXX for XXXX. It should be reporting after each dispute if an investigation was actually done. Again, the comment of Consumer Disputes should be reflected by the furnisher and it is not. 

Actual Payment Amount : Experian is reporting {$21000.00} and XXXX  is reporting {$16000.00}, and. The data does not match and is grossly different and therefore can not be reporting accurately. In addition, my payment was never any of those numbers. 
Charge Off Amount : Experian is reporting {$21000.00}, the account was opened in XXXX of XXXX at {$21000.00} and was Charged-off four years later at {$21000.00}. Thats definitely not accurate, yet they have continued to report that false information on my credit report for years and refuse to correct it. 

Date Last Active : Shows XX/XX/XXXX for Experian and XX/XX/XXXX for XXXX. Thats a four year difference. So how can that be accurate reporting? 

Date of Last Payment : Experian is reporting XX/XX/XXXX. However, it also reporting Charged Off as of XX/XX/XXXX. How can that be accurate and complete reporting especially since I never made a payment to XXXX in XXXX. 

Payment History : Experian is reporting 14 months consecutively as Charge-Off. The account was Closed on XX/XX/XXXX. Yet its reporting a payment status after the account was closed. Which is yet another violation of my rights under the FCRA Term Duration : Experian is reporting it as ( 80 months ), XXXX  is reporting it as ( 8 months ) and therefore the data is being reported inaccurately. 

Lastly, the contact information is different. on Experian it says XXXX XXXX phone number XXXX. Address is XXXX XXXX XXXX XXXX XXXX TX XXXX On XXXX  it shows XXXX as the contact. Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX, XXXX and a different phone number XXXX. 
So which one is the factual data? Why two different contacts for the same account?

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