Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX DATE : XX/XX/XXXX THIS IS MY SECOND DISPUTE SENT TO EXPERIAN WHY WASNT AN INVESTIGATION DONE ON MY FIRST DISPUTE RECEIVED ON XX/XX/XXXX WHY ARENT MY ACCOUNTS UPDATED AS DISPUTED? 

YOU ARE IN SERIOUS VIOLATIONS OF THE FCRA DELETE THESE INCOMPLETE ACCOUNTS AND DELETE THESE INACCURATE ACCOUNTS I am writing to address a matter of significant concern regarding the accuracy of my EXPERIAN credit report as provided by your agency, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am deeply disappointed with the results of my recent investigation request, which revealed multiple inaccuracies and incomplete information on various accounts on my credit report. 

Upon reviewing the information provided in my EXPERIAN report obtained through XXXX, I identified the following inaccuracies and incomplete data : XXXX. XXXX Account XXXX : XXXX - Inaccurate reporting of a {$96.00} balance on a charged-off account. 
- Missing payment history information from XXXX and XX/XX/XXXX. 
- Incorrect reporting of a 30-day late payment in XX/XX/XXXX, not corresponding with the payment history guide. 

XXXX. XXXX XXXX Account Number : XXXX - Reporting of a {$1200.00} balance on a charged-off account. 
- Incomplete information regarding the most recent payment. 
- Incomplete information in the monthly payment section. 
- Incomplete account number information. 

XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX - Reporting a balance of {$23000.00} on an account charged off by XXXX XXXX XXXX XXXX. 
- Incomplete information under the recent payment and monthly payment sections. 
- Reporting " ND No Data '' for XX/XX/XXXX, indicating incomplete information. 

XXXX. XXXX XXXX XXXX Account Number XXXX - Missing Balance Histories. 
- Missing recent payment and monthly payment information. 
- Reporting 30 days past due for XXXX, XXXX, and XX/XX/XXXX while showing " Paid, Closed. '' XXXX. XXXX Account XXXX : XXXX - Reporting a {$5800.00} balance on a charged-off account. 
- Incomplete information under the Recent Payment and Monthly Payment sections. 
- Discrepancy between the " Reinvestigation Info '' and " Status Updated '' sections. 

XXXX. XXXX XXXX XXXX Account Number : XXXX - Incomplete information under the Recent Payment and Monthly Payment sections. 
- Incomplete account number reporting. 
- Reporting {$0.00} payments from XX/XX/XXXX to XX/XX/XXXX, inconsistent with current/ terms met reporting from XX/XX/XXXX to XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX - Reporting a balance on a closed account. 
- Unclear account closure date. 
- Incomplete information regarding recent payment and account terms. 
- Discrepancies in the reporting of payment history.

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