Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
I sent letters on XX/XX/XXXX about discrepancies on my credit report and I have not heard anything further. The credit companies are not complying with their own policies in a timely manner. This complaint is regarding Experian, XXXX and XXXX. 


I wrote to dispute the following information that appears on my XXXX report on XX/XX/XXXX : XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Delete this account for inaccuracies because Experian shows Date Last Active : XX/XX/XXXX, XXXX shows Date Last Active : XX/XX/XXXX, and XXXX shows Date Last Active : XX/XX/XXXX. 
You can't report different dates and years. It's imperative that this be accurate because it determines when the account naturally falls off. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} Delete this account for inaccuracies because Experian shows Date Last Active : XX/XX/XXXX, XXXX shows Date Last Active : XX/XX/XXXX, and XXXX shows Date Last Active : XX/XX/XXXX. 
You can't report different dates and years. It's imperative that this be accurate because it determines when the account naturally falls off. 

XXXX XXXX XXXX with Account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Delete this account for inaccuracies because the required notice of dispute was not entered within a time frame of XXXX days from the date you first received my letter. 


I wrote to dispute the following information that appears on my Experian report on XX/XX/XXXX : XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Delete this account for inaccuracies because Experian shows Date Last Active : XX/XX/XXXX, XXXX shows Date Last Active : XX/XX/XXXX, and XXXX shows Date Last Active : XX/XX/XXXX. 
You can't report different dates and years. It's imperative that this be accurate because it determines when the account naturally falls off. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} Delete this account for inaccuracies because Experian shows Date Last Active : XX/XX/XXXX, XXXX XXXX Date Last Active : XX/XX/XXXX, and XXXX XXXX Date Last Active : XX/XX/XXXX. 
You can't report different dates and years. It's imperative that this be accurate because it determines when the account naturally falls off. 


I wrote to dispute the following information that appears on my Experian report on XX/XX/XXXX : XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Delete this account for inaccuracies because Experian shows Date Last Active : XX/XX/XXXX, XXXX shows Date Last Active : XX/XX/XXXX, and XXXX shows Date Last Active : XX/XX/XXXX. 
You can't report different dates and years. It's imperative that this be accurate because it determines when the account naturally falls off. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} Delete this account for inaccuracies because Experian shows Date Last Active : XX/XX/XXXX, XXXX shows Date Last Active : XX/XX/XXXX, and XXXX shows Date Last Active : XX/XX/XXXX. 
You can't report different dates and years. It's imperative that this be accurate because it determines when the account naturally falls off. 

XXXX XXXX MO with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Delete this account for inaccuracies because the required notice of dispute was not entered within a time frame of XXXX days from the date you first received my letter. 

Their polices clearly states that accounts shall be deleted based on inaccuracies on credit reports as well as failure of an investigation to be done in a timely matter. I asked the bureaus to please Delete these accounts for inaccuracies but have not heard anything from them.

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