Consumer complaint received 2019-09-25
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:
I have filed multiple disputes with Experian. XXXX XXXX ( XXXX ) is a collection agency reporting the first delinquency date on that account as XXXX of this year. 

I submitted a dispute on XX/XX/XXXX. On XX/XX/XXXX, I received notification from Experian stating that the account would remain, that the XXXX, the collection agency, " certified '' that the information was correct. 

I submitted another dispute on XX/XX/XXXX. I provided written documentation from the original creditor, XXXX, stating that the last payment was made on the account on XX/XX/XXXX. I also provided information that the account was opened on XX/XX/XXXX, and was closed XX/XX/XXXX. I also wrote a letter explaining to Experian the error on the report, and why I was disputing the account. I provided them the investigation provided by another credit reporting agency, and how they saw the error, of almost 6 years, and they removed it immediately from my report. I also provided the account from the other credit reporting agency, to show them the difference in dates that XXXX is reporting that this will " fall off '' my credit. Per Experian, it was XX/XX/XXXX, but showed it " opened '' in XX/XX/XXXX and was delinquent in XX/XX/XXXX. XXXX reported to XXXX that it would fall off on XX/XX/XXXX. 

I understand that even if XXXX did acquire my account in XX/XX/XXXX. Per FRCA XXXX23 ( a ) ( 5 ) ( A ), the date of delinquency is the month and year the consumer 's delinquency resulted in the referral. Per FRCA 623 ( a ) ( 5 ) ( A ) they have to report the delinquency date provided by the creditor. I also provided them FRCA 623 ( a ) ( 5 ) ( A ), in hopes that they would actually read the documentation that was  submitted. 

Experian notified me on XX/XX/XXXX, that the debt collector, XXXX, " certified '' that the information was correct. I uploaded another documentation from the original creditor on XX/XX/XXXX, since I was not allowed to dispute it again. Experian said they do not have to allow me to dispute again, but if I had supporting documents, I could submit them. I uploaded another documentation from the XXXX stating that the account was sold on XX/XX/XXXX. I also resubmitted the letter, all supporting documents from the original creditor and the FCRA pages 78,79, and 80. 

While they " allowed '' me to upload documents, it's showing that the investigation is " complete ''. I have no reason to believe that it will be opened, or that they will even read the provided documentation, that they suggest, I upload. 

I am continuing to receive emails that the debt collector " certifies '' that their info is correct. 

I can not believe that any of the documentation that I have submitted has even been read. If anyone had read ANY of the information, they would see the HUGE error. It is a 6 YEAR difference. 

I am just needing assistance for someone to actually take the time to read the information. The error is huge, and the debt collector can not continue to report this old debt as new.

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