Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX REPORTED OPEN XX/XX/XXXX. RECIEVED CARD AND FIRST USED IN XX/XX/XXXX. CHARGED ACCT FEES, LATE PAYMENTS, AND REPORTED " ON TIME '' PAYMENTS WHEN NONE MADE. 

XX/XX/XXXX I CLOSED ACCOUNT. REPORTED IT CLOSED IN XXXX AND VALIDATED CLOSED IN XXXX ON CREDIT REPORT. MOST OF BAL WAS LATE FEES AND OTHER BILLING ISSUES THEY WOULD NOT CORRECT. THUS CLOSED. ATTACHED I HAVE COPY OF " EXPERIAN CR REPORT '' WITH XX/XX/XXXX CLOSING DATE. 

THEN I DISPUTED LATE PAYMENT ON AN ACCOUNT WITH NO REPAYMENT TERMS AGREED TOO. ONCE I DISPUTED ITEM ... .THRY WERE ALLOWED TO CHANGE CLOSED DATE. REPORT PAYMENTS AS BEING MADE.. WHEN NOT MADE AND WERE ALLOWED TO RE-VALIDATE A " NEW ACCT CLOSING DATE '' IT SAYS " MADE BY ME ''. THEN REPORTED CLOSED IN XXXX REPORTED LATE IN XXXX WITH NEW VALIDATED CLOSED DATE. STILL WITH A BALANCE... .AND A NEW LATE FEE ADDED... AGAIN AFTER I BEGAN DISPUTUNG IT. NO PAYMENTS MADE BY ME BECAUSE OF BILLING AND LATE PAYMENT ISSUES THAT THEY UNTIL NOW ARE WAIVING WHOLE BAL. HOW CAN BURUEAS CONSTANTLY DO THIS. WHEN I ASKED IF THEY SHOW ACCOUNT BEING CLOSED IN XX/XX/XXXX. THEY SAID NO ... XXXXXXXX XXXX  VALIDATED THAT I CLOSED ACCT IN XXXX  IM TELLING THEM THEY HAD IT ON MY REPORT BEFORE... REPORTED BY XXXXXXXX XXXX CLOSED IN XXXX. SO HOW DID THEY VALIDATE THIS.. AGAIN... SHE SAID IT DOESNT SHOW. I ASKED FOR MY " DISCLOSURE FILE '' SHE SAID SHE WAS SENDING MY CREDIT REPORT.. ITS THE SAME ... WHEN I QUOTED THE FCRA ... SHE GOT ANGRY AND TOLD ME TO REFILE DISPUTE... AGAIN. ASKED HOW OR WHAT THEY PROVIDED THAT CHGD DATE OF CLOAING.. SHE SAID MY FILE ONLY SHOWS CLOSE IN XXXX REPORT SHOWS XXXX HOW IS IT THAT XXXX XXXX XXXX SHOW ON TIME PAYMENTS WHEN I MADE NONE. I ASKED FOR PROOF IM TOLD CALL CREDITOR. BALANCE STAYED THE SAME AND SHOW {$0.00} PAID.. ..BUT REPORTED ON TIME... .THIS GOES ON ALL DAY EVERYDAY AND I HAVE NO OPTIONS THEY CHG DOCUMENTA AND DATES REMOVE OTHER INFO THAT CONTRADICTS WHAT THEY ARE DOING TO APPEAR CORRECT AND THEY FEEL LIKE THEY DONT HAVE TO DO ANYTHING FOR OUR REPIRTS THAT ITS THE CREDITORS WRONGDOING AND THEY HAVE NO RESPONSIBILITY TO FIX WHAT THEY SEE AND KNOW IS OBVIOUSLY WRONG. 
I WANT THE ENTIRETY OF THIS FILE REMOVED. EVERY SINGLE THING ON IT IS WRONG AND DECEPTIVE. CHANGING DATES AND NOT VERIFYING OR VALIDATING INFO. TELLING US THAT THEY HAVE WHEN YOU KNOW FOR A FACT NONE OF THESE THINGS ARE VERIFYABLE. WHEN ASKED FOR WHAT THEY PROVIDED IM TOLD TO CONTACT CREDITOR. CREDITOR SAYS ACCT CLOSED IN XXXX NOW WHAT EXPERIAN XXXX ASKED FOR " DISCLOSURE FILE '' WAS TOLD THEYLL SEND CR REPORT ... ITS THE SAME ... WHEN QUOTING FCRA TOLD THAT ITS THE SAME. " CR REPORT AND FULL FILE DISCLOSURE '' WHEN FACED WITH ITS THEIR RESPONSIBILITY TO FIX THEY SAY.. " NO ITS NOT ... ITS THE CREDITORS ... NOT THEIRS '' NO ONE WATCHING THEM AND BY THE TOME ITS CORRECTED.. DAMQGE DONE... IF I DONT FOLLOW PROCEDURE ... ITS NOT FIXED.. WHEN I DO ... BUREAU WONT FIX BECAUSE THATS WHO PAYS THEM. SEVERAL DATES REPORTED AS PAID ON TIME... NOT ACCURATE WHEN TOLD ... BURUEAS SAY " THATS WHAT THEY REPORTED '' WOW ... .NO INVESTIGATION ... .THEY COULDNT POSSIBLY SHOW THEM PAYMENTS... .IM THEN TOLD CONTACT CREDITOR... THIS GOES ON WITH ALL 3 BURUEAS. NOTHING TO STOP 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 explanation