Consumer complaint received 2022-01-27
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
Account name : XXXX  Account # : XXXX accounts are illegal and a violation of FCRA XXXX had duplicate ( XXXX in total ) on my credit report, I disputed them and they violated my rights. XXXX now owes me multiple {$1000.00} per occurrence violations. I demand they be deleted off of my credit report they are harming me. 

Account name : XXXX  Account # : XXXX accounts. I demand to see proof of payment for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Account name : XXXX  Account # : XXXXDuplicate accounts shows okay payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that is inaccurate reporting. Therefore REMOVE ALL LATE PAYMENTS off my credit reportAnd update it to paid as agreed due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing Its not accurate. See Red marks on Attached. 

Account name : navient Account # : XXXX accounts payment history shows okay payment in XXXX of XXXX followed by a XXXX late in XXXX of XXXX. This is inaccurate reporting Therefore REMOVE ALL LATE PAYMENTS off my credit reportAnd update it to paid as agreed due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 

Account name : XXXX Account # : ( XXXX XXXX ) ( Experian & XXXX XXXX ) Not my account Account name : XXXX Account # : ( XXXX XXXX ) ( Experian & XXXX XXXX ) it is illegal for a collections account to have an account type of open This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 

1. Account name : XXXX Account # : ( XXXX XXXX ) ( Experian & XXXX XXXX ) Re-aging a collection account is illegal, XXXX now owes me multiple {$1000.00} per occurrence violations. This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 
Account name : XXXX Account # : ( XXXX XXXX ) ( Experian & XXXX XXXX ) previously disputed account. XXXX, XXXX and Experian did not do a proper dispute investigation in the allotted time of 30 days, This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 
Account name : XXXX Account # : ( XXXX XXXX ) ( Experian & XXXX XXXX ) I demand to see proof of payment for the date of XXXX XXXX is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 
Account name : XXXX Account # : ( XXXX XXXX ) ( Experian & XXXX XXXX ) I demand to see proof of payment for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 
Account name : XXXX Account # : ( XXXX XXXX ) ( Experian & XXXX XXXX ) payment history shows XXXX of XXXX shows ok payment, followed by 120 day late in XXXX of XXXX which is illegal.This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All XXXX bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 
Account name : XXXX Account # : ( XXXX XXXX ) ( Experian & XXXX XXXX ) the payment history shows XX/XX/XXXX as an okay payment for XXXX a charge-off for Experian and no information for XXXX followed by in XXXX of XXXX 120 days late for XXXX a charge off for Experian and no information for XXXX, This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All XXXX bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached. 

Account name : XXXX XXXX XXXX XXXX Account # : XXXX previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and Experian did not and are in current violation of my rights! XXXX and Experian, did not complete the investigation in the allotted time of 30 days. This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.

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 non-monetary relief