Consumer complaint received 2021-09-19
Company: Experian Information Solutions Inc.
State: OH
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 following is a list of disputes on my report that was ot resolved as per the FCRA. 
1. XXXX XXXX XXXX XXXX - Account number XXXX Reason # XXXX : Terms is reporting incorrecly as 89 months, which it is suppose to be 72 months. 
Reason # 2 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 

2. XXXX XXXX XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Monthly payment is being reported as {$0.00}, but if that is the case then the late apyments needs to be removed or the account needs to be removed from credit report. 

3. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type is " Cell phone '' which according to FCRA does not constitutes as a reporting item on your report. 
Reason XXXX # : the previous disputed listed the account marked as a collection on XX/XX/XXXX, but the updated dispute list the account marked as collection on XX/XX/XXXX. Both errors violate FCRA and needs to be removed. 

4. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : the account is be reported as " charge off '' on XX/XX/XXXX. How is an account that was paid off before XX/XX/XXXX considered a " charge off ''? 

5. XXXX XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Recent payments is marked as " {$0.00} '' would is accurate if I have been making my monthyl payment of {$410.00}. 

6. XXXX - Account number XXXX Reason # 1 : Status updated is incorrect, shows XX/XX/XXXX, but the date should reflect the most current dispute completion date which would be XX/XX/XXXX. 
Reason # 2 : Account type shows " charge card '' when ti should be " credit card ''. This error has been ongoing for 4 years. 

Typiclly, I try and handle things with the CRA themselves, but Experian has been difficult and given me a difficult time regarding these errors. Accounts needs to be delted for continuous inaccurate reporting. 

I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed.

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