Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to fie a complaint against Experian and a account XXXX that I had tried getting fixed by sending experian notice of errors. I have also tried sending XXXX a direct dispute at the address experian specifies for me to contact them at, and to my surprise the letter was returned to sender because the address was not deliverable. 

XX/XX/XXXX I sent experian a dispute with a copy of my consumer report dated XX/XX/XXXX report number XXXX in regards to the On Record Until XX/XX/XXXX was Inaccurate because this account wasnt opened until XX/XX/XXXX so the date of commencement can not be 2 months prior of the open date in XX/XX/XXXX and the payment history reports the date of commencement that led to the delinquency to be XX/XX/XXXX. XXXX ( c ) clearly specifies how to determine the federal 7 year running of reporting period. The same month this account went into delinquency that led to the charge off status is the same month the account will be federally removed with respect to the additional 7 year running of reporting period. 

I have also made it clear that I have sent XXXX a direct dispute under XXXX on XX/XX/XXXX tracking XXXX at the address in which is reporting on my consumer file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX specific information so I can assure Experian is reporting to the maximum possible accuracy XXXX ( b ). 

XX/XX/XXXX is the day that the letter I sent to XXXX was a return to sender and my letter was sent back to me. If the address that is specified on my consumer file as a form of contact to reach out to this creditor is inaccurate then this error is just another reason for dispute.i have done some research and looked up XXXX website XXXX XXXX XXXXXXXX and the address that XXXX suggest to reach out to is different then the contact address listed on my report. XXXX specifies to reach out to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have also made it very clear that I chose to opt out of having my private nonpublic information being shared with a nonaffiliated third party ( experian ). XXXX only has XXXX affiliates ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) they share information to that I can not control and the consumer reporting agencies are NOT affiliated with XXXX. Therefore me choosing to opt out is a option I chose to exercise XXXX ( b ) XX/XX/XXXX Experian has generated me with results report number XXXX and the outcome was this account was Verified as Accurate and Updated. My results dont include my name in which whom this report was prepared for. Experian specifies for me to review my updated report but there was no updated credit report included for me to review. Such updated report was not included with my results. Experian usually includes a form of contact whether its a address or phone number to reach out to the creditor in regards to my dispute but Experian did not include a form of contact with my results. 

XX/XX/XXXX I got a new report, report number XXXX and the following errors and incomplete information are as follows after Experian verified this account as accurate only a day prior. 

-the on record until XX/XX/XXXX was NOT fixed. This date still reports inaccurately after my previous notice to them. 
-balance, balance updated, recent payment are all incomplete. 
-the payment history reports XX/XX/XXXX as a CO ( charge off ) which is Inaccurate. XX/XX/XXXX XXXX sent me correspondence saying the account has been settled and closed on XX/XX/XXXX therefore the discrepancy of a charge off on XX/XX/XXXX is Inaccurate. This account was closed on XX/XX/XXXX NOT charged off. 
XXXX XXXX XXXX reports XX/XX/XXXX was the date of commencement that led to the charge off status therefore the on record until should match the same month as described in XXXX ( c ). 
-the contact address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is INACCURATE because I have proof of return to sender when I tried sending them a direct dispute to this same address. 
-Comment Current account paid in full for less than the full balance is Inaccurate and the Notice of this account was disputed by the consumer is XXXX when the notice should be included to support experians verified as accurate results XXXX ( a ) ( XXXX ). How else can experian verify this account as accurate other than contacting the creditor and recieving the creditors verification and modifications in order to update this account according to XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ) ( XXXX ) and all its subsections. 
XXXX XXXX this item was updated from the processing of your dispute XX/XX/XXXX its impossible proper procedures were conducted in a investigation when there has not been any confirmation from the creditor that this account was disputed by the consumer. 

The only update Experian did was update the Payment History to XX/XX/XXXX from CLOSED to now Charged Off ( which was a inaccurate modification ) because XX/XX/XXXX XXXX verified when exactly the closed date occurred which was on XX/XX/XXXX. So how is it that Experian can verify as accurate this account with the creditor but the information the creditor verified with me is different? 

In conclusion, I do not believe experian is following federal regulations and instead they ignore my dispute and update something else. The FCRA clearly states the consumer reporting agencies have XXXX options as treatment when it comes to a reinvestigation XXXX ( a ) ( XXXX ) ( A ) ( i ) either modify the account as appropriate based on the result of the reinvestgation OR delete the account. Experian clearly has failed to modify the error I brought to there attention because the same error is reporting after there verified as accurate results. I have tried disputing with experian indirectly and have also tried sending XXXX a direct dispute at the address experian specifies for me to reach out to them to. My consumer file remains inaccurate and incomplete after experian confirmed the account was accurate. I have no other option but to bring this matter to your attention to get experian to comply to federal and state laws because clearly experian does not care about law that they are required to comply to. I have also included a copy of the dispute I recently sent experian on XX/XX/XXXX just in case experian XXXX comply for your viewing.

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