Consumer complaint received 2023-01-07
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 wish to file a complaint on Experian and XXXX XXXX because Experian has VERIFIED this account as ACCURATE and Updated this account on XX/XX/XXXX report number XXXX. To my understanding if a account has been verified as accurate then shouldnt all reported information be accurate and complete? Experian didnt even provide me a BEFORE and AFTER results instead I had to get a new report following experians verified as accurate results for the updates and my updated report still reflects inaccurate and incomplete information. See below. 

XXXX XXXX XXXX ERRORS and INCOMPLETE information on my XX/XX/XXXX report number XXXX On Record Until XX/XX/XXXX - ( XXXX has provided me with the date of XX/XX/XXXX due to disconnect for Non Pay in there response letter on XX/XX/XXXX. XX/XX/XXXX is the date of commencement that lead to the delinquency status therefore under 1681c ( c ) ( 1 ) the 7 year reporting period begins on the month and year this item went into delinquency. If XX/XX/XXXX is the date XXXX XXXX disconnected service due to non pay then XXXX should be the Month this account is set to be Federally removal with the respected 7 year time frame of XX/XX/XXXX NOT XX/XX/XXXX. 

XXXX XXXX- the payment history is INCOMPLETE. There is NO Last Payment, NO Date of commencement of the Deliquency, NO Late Pays ( XXXX, C/O ). All that reports is a XXXX off XX/XX/XXXX in which I dont even know if that is accurate or not because the payment history is incomplete. There are additional random charge offs reporting also with ND ( NO DATA ) in the payment history as well. NO DATA is STILL INCOMPLETE INFORMATION. If the payment history does NOT include such important information then how is it possible that experian is coming up with the On Record Until date? How are they determining that information when the source has given me the same information they give experian to report? 

This account should have never been Verified as XXXX instead this account should have been updated properly in order to be considered verified as accurate. I do not believe experian is conducting proper reasonable compliance procedures to assure my report is of maximum possible accuracy. XXXX XXXX has done there part by including a notice of dispute and providing me with information in regards to information, however Experian has failed to report what XXXX XXXX has given to them and I have given Experian a respectful amount of time to fix such errors. I have been disputing this account with experian since XX/XX/XXXX and this account continues to be reported inaccurately with incomplete information. 

I would like to include that the account number XXXX XXXX has provided me on there response letter has XXXX digits and experian is reporting a XXXX digit account number. Experian is still furnishing inaccurate and incomplete information after XXXX has given me a notice of dispute directly on XX/XX/XXXX therefore Experian should be reporting the same information.

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