Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: FL
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:
Last XX/XX/XXXX he submitted a complaint by this same means where exactly 60 days later I received a response completely far from reality, where they say that the information I request is EXACT, CORRECT AND VERIFIED. In the same way they say that on XX/XX/XXXX I was sent information regarding this complaint. information that to date I have not received. so I DEMAND KINDLY, that you send me a copy of said information that was sent to my. 
On repeated occasions I have tried to solve this case directly with the company and the answer remains the same, so this will be my last attempt to solve things, if I do not get the answers I requested, I will be obliged to take this to court. legal, since it is affecting my personal credit, and they are not complying with the laws set by the FCRA. 

Attached you will find the information that I disputed in the first instance exactly on XX/XX/XXXX and that to date I am still disputing with the company and I have been trying to solve this problem for more than 3 months and the answer remains the same. 

I hope that with the information attached where it is shown for my legal records all the attempts that I have with this company to solve the problem and that it is taken seriously and accurately, I will be notified of all the information in writing and by postal mail of the people with whom they verified the information, the date on which the information was verified and that the verified information is not only online but also in writing. 

The information that this company shares is completely inaccurate, incomplete or simply does not have any type of data in the system. 

As can be seen in the files sent on XX/XX/XXXX and that 2 months later they are still exactly the same and hoping they don't take 60 days again to give me an answer, the following things are incomplete : 1 ) the account history shows inaccuracy, there are months such as the months of XXXX XXXX XXXX XXXX XXXX XXXX without data, then the account goes into collection. 

XXXX ) The Balance History only shows the months of XXXX, XXXX, XX/XX/2021 but it does not show me the previous months since the account was opened, so I demand that those months be verified and shared in my file. 

XXXX ) The account number only shows 3 digits, so the complete or exact account number with reference to this account is not found. 

XXXX ) The recent balance does not present any report. 

XXXX ) The monthly payment does not present any information. 

XXXX ) The closing date of this account is not shown in the file. 

XXXX ) The payment date for this account is not shown on file. 

8 ) The term of this account was 12 months, the 12 months are shown as paid then the account does not have any information and appears in collection.

As you can see in the attached files, the information was not verified, it was not corrected and it does not show accuracy in the report, so they are violating any rights that I may have under the FCRA, so this will be my last attempt to solve this problem. with you

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