Consumer complaint received 2021-04-07
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:
Over the past several months, I have written to Experian several times in order to correct an inaccurate account on my credit report. The information is being reported by XXXX XXXX with a partial account number of XXXX. The main issue is that Experian has not investigated my disputes, despite me providing relevant proof that multiple pieces of information being reported are inaccurate. 

In a letter I mailed to Experian on XX/XX/XXXX, I disputed this account because my report showed I paid on time in XXXX of XXXX, then I was 90 days late in XX/XX/XXXX. Obviously, this is not possible and the payment history for those two months is inaccurate. You can't go from paying on time to paying late by 90 days within a 30 day timespan. In addition, my XXXX credit report was showing a different payment history, which I included with my dispute. Experian responded by saying the creditor verified the information as accurate. However, the FCRA requires Experian to conduct their own investigation rather than simply " parroting '' what the data furnisher says. Because the inaccurate information was blatantly wrong, the evident truth is that Experian did not conduct any independent investigation whatsoever. 

On XX/XX/XXXX, I wrote to Experian again regarding this account in dispute. I again disputed that the account was 90 days late during the month of XX/XX/XXXX because my XXXX report was showing that the account was 90 days late during the month of XX/XX/XXXX, which is 4 months earlier than what Experian was showing for the same account. Because I provided new information, Experian was required to investigate my dispute again. Unfortunately, Experian responded again by saying the creditor verified the information was accurate. 

On XX/XX/XXXX, I wrote to Experian in order to dispute this account again. I had recently been informed by the creditor for this account that the entire debt had been discharged. The creditor sent me a 1099-C cancellation of debt form. I included the 1099 form with my dispute to Experian in which I disputed the balance and past due amount as inaccurate because I no longer owed the debt. Experian responded again by saying the information was verified by the creditor. 

I sent Experian at least 3 separate disputes, with plenty of proof, to demonstrate that they are maintaining inaccurate information. They failed to delete or correct the information. They failed to investigate my disputes and simply " parroted '' the creditor. They violated the Fair Credit Reporting Act multiple times and are unjustly damaging my personal credit rating by publishing inaccurate information about me to lenders. 

On top of that, Experian is now sending responses to my disputes entirely online, which I never consented to receiving. They are doing this in order to prevent future lawsuits because it gives them control over the proof of what illegal actions they are taking.

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