Consumer complaint received 2023-04-20
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:
Experian is practicing unfair acts and procedures within their company by manipulating me to think experian actually made updates to 3 different accounts I have previously disputed. On all 3 results on the BEFORE DISPUTE RESULTS for accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, experian reports a INCOMPLETE Account Type, Responsibility, Date Opened, Status reads NO STATUS, Status Updates, Balance, Balance Updated, Recent Payment, Monthly Payment, Original Balance, Payment History, Comment Current. Reporting all these fields with incomplete information is NOT the way these accounts were previously reported and I attached my XX/XX/XXXX report as proof. I believe this is yet again, another stall tactic experian is practicing to avoid the real reasons why I dispute these accounts instead of following federal law regulations. 

XX/XX/XXXX I sent experian a dispute for account XXXX based on the wrong purging date of XX/XX/XXXX. I included a copy of a letter from the company clearly indicating the date of delinquency occurred XX/XX/XXXX as proof to support my dispute. the date of delinquency date is reporting correctly in the payment history BUT the on record until still reports a 4 month difference from the date of delinquency which is inaccurate. Experian has re-aged the reporting of this account willfully and neglecting to fix their mistake. This account is not in compliance with 605 and 623 of the FCRA which is a Federal Violation. 

XX/XX/XXXX I sent experian a dispute for account XXXX XXXX XXXX based on the wrong purging date of XX/XX/XXXX. I Cleary explain that this company has verified with ME the date of delinquent occurrence which was XX/XX/XXXX and sent that proof along with my dispute to diminish any speculation that my disptue was frivolous. the date of delinquency date is reporting correctly in the payment history BUT the on record until still reports a 4 month difference from the date of delinquency which is inaccurate. Experian has re-aged the reporting of this account willfully and neglecting to fix their mistake. This account is not in compliance with 605 and 623 of the FCRA which is a Federal Violation. 

XX/XX/XXXX I sent experian a dispute for account XXXX XXXX based on a incomplete balance and balance updated on the account. I simply asked for them to include these fields for reporting, because how can a account be verified as accurate with incomplete reported data? 

XX/XX/XXXX experian generated me results report XXXX XXXXXXXX with NO NAME attached to the results for account XXXX This account still has a inaccurate purging date XX/XX/XXXX and was not fixed. The Comments does not include a compliance condition code from the data furnisher to satisfy the obligation to communicate that debt is disputed. The BEFORE DISPUTE RESULTS was NOT the way this account was previously being reported. Experian is refusing to abide by the FCRA. 
This account remains to not be in compliance with 605 and 623 of the FCRA. 

XX/XX/XXXX experian generated me results reports # XXXX for account XXXX XXXX XXXX and the account still has a inaccurate purging date XX/XX/XXXX KNOWING the date of delinquency date reports a correct date of delinquency date XX/XX/XXXX. The purging date was not fixed. The BEFORE DISPUTE RESULTS was NOT the way this account was previously being reported. Experian is refusing to abide by the FCRA. This account remains to not be in compliance with XXXX and XXXX of the FCRA. 

XX/XX/XXXX experian generated me with results XXXX for account XXXXXXXX XXXX XXXX The Balance now reports XXXX which is inaccurate because only numeric should reflect in the balance field and the Balance Updated is STILL incomplete. There is NO comment field reporting or indicating a compliance condition code from the data furnisher to satisfy the obligation to communicate that debt is disputed. The BEFORE DISPUTE RESULTS was NOT the way this account was previously being reported. Experian is refusing to abide by the FCRA. 

I included a copy of my XX/XX/XXXX experian report # XXXX proving that all 3 of these accounts reported information BEFORE these accounts were in dispute. Proving that Experian is manipulating me to think they updated the data reporting on these accounts when they basically just deleted the information and then applied the same information back to the accounts. NONE of these accounts were updated in regards to my dispute. They all have the SAME errors reporting, Experian is refusing to fix these accounts to the maximum possible accuracy, therefore they should be deleted. Experian is validating these accounts instead of fixing the errors I bring to their attention. 

I have attached a copy of my experian report dated XX/XX/XXXX as well for verification experian Is still reporting inaccurate 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