Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: TN
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:
The credit reporting agencies are Negligence in their reporting and I can prove it, especially Experian, XXXX, and XXXX. 
Starting with Experian, they are disregarding my disputes and keep coming back with the same answer to my disputes as ACCURATE but when I asked them to please validate this information with me, that they are receiving, they cant send me ANY evidence that supports their claim. 
How can it be that XXXX  and XXXX  deleted all of the XXXX accounts because lack of evidence but Experian keep saying theses accounts are accurate without any documents of their findings. 
And now Experian is saying that another alleged account that Im disputing is now been updated. What is going on here? They have no respect for the law and they are not taking out the time to do a thural and proper investigation. 
They are also claiming I did not submit the property documents for them to investigate my disputes BUT when I log in to my Experian account, I receive alerts that their investigation is complete and ready for me to view. How can this be? 
I have supporting documents that state my claims. As of XX/XX/2020, when I logged into my Experian credit monitoring account, I received a message that now states that they are having problems pulling all three credit reports and scores and this is a service that I pay for on monthly basis. 
They are miss reporting this information and violating the law and causing harm to my credit. They are breaking the law and there are potential violations of all the negative information on my credit report and this needs to be looked into. 
XXXX XXXX, XXXX. Account XXXX - The item you disputed has been updated, which may include an update to the disputed information XXXX XXXX XXXX XXXX Account XXXX Remains/ The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. 
( duplicate account ) XXXX XXXX XXXX  XXXX XXXX Remains/ The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. 
( duplicate account ) XXXX XXXX XXXX XXXX XXXX Remains/ The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. 
( duplicate account ) XXXX XXXX XXXX  XXXX XXXX Remains/ The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. 
XXXX XXXX XXXX account number XXXX / still showing a balance on a closed account and a Balance Update on XX/XX/2020, Loan Amount {$610.00}. I asked Experian to validate this item because I have no knowledge of it and I have not heard anything back from them. 

XXXX  credit report : Employment XXXX XXXX XXXX XXXX- Incorrect, I do not work for this company and this needs to be deleted from my credit report immediately. Ive also disputed this with XXXX but the outcome has not changed. 
XXXX FORMERLY XXXX is a closed account and after XXXX did their investigation, they decided to add a closed account but still showing a balance. I need for XXXX to remove this item completely from my credit report. 
Derogatory marks XXXX XXXX XXXX BUT they told me that this item has been closed from my credit report but its still showing a collection on my credit report. Since they have already validated that this account needs to be closed, they need to remove it completely from my credit report. 
XXXX  : XXXX XXXX XXXX, Balance {$10000.00}, and late payments on a closed account. Also showing 120 late on a closed account. How can this be? I need them to delete these inaccurate items from my credit report and remove these disputed items completely from my credit report. 
As you can see, there is a lot of incorrect information reporting from XXXX, Experian, and XXXX  database.

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