Consumer complaint received 2022-09-07
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 do understand that Experian and XXXX will say that they do not compare reports to other credit reporting agencies. However, the Fair credit reporting act ( 611.4. ) States " In conducting any investigation under paragraph ( 1 ) with respect to disputed information in the consumer file, the consumer reporting agency shall REVIEW AND CONSIDER ALL RELEVANT information submitted by the consumer ''. 

This means that once you have the information provided by ME the consumer you can not ignore the facts provided. I have challenged several inaccuracies and incomplete information with factual records. The CFPBs own report shows that these agencies ( Experian and XXXX ) only solve 2 % of the disputes they receive. The question that must be answered as in the statement of the CFPB report, is the agencies incapable or unwilling to properly investigate. 

My rights have been violated by these agencies and their false claims of any real investigation. It is in fact UNFAIR that they investigate themselves regarding MY information that they use for profit. They are incentivized to not conduct a reasonable investigation and correct, or delete inaccurate, incomplete information. As well as the negative impact and the cost that I have incurred for their failure to properly follow the LAW. Under the Fair Credit Reporting Act, I have a right to privacy, and I did not give any written permission for any of the accounts to share MY information. Also, my rights have been violated because the agencies are responsible to report 100 % ACCURATE and VERIFIABLE information. 

I have attached the challenge I made to both Experian and XXXX. I have also attached their very own reports that support the claims that they are reporting inaccurate, incomplete, and illegal information. And they refuse to Follow the law. Experian nor XXXX XXXX seemed to even attempt an investigation as to whether the Proof is irrefutable. 

EXAMPLE : I challenged acct : XXXX [ XXXX ] claims inaccurate information How is this Nebraska XXXX XXXX reporting late payments on a closed account? Experian has been reporting late payments for months/ How can I be late on a closed account with no monthly payments? Please remove this account from my file. 

I did not get any reasonable explanations as to why they have been for years reporting late payments and a balance on a closed account. How can I be late on an account monthly that has no Monthly payments? However, they assured me it was updated. HOW SO? It must be deleted because they are willfully reporting an inaccurate account that I have challenged several times. 

Another EXAMPLE : I have included both EXPERIAN and XXXX reports to show their failure to investigate and ignore the RELEVANT information I provided. 


To XXXX I challenged Acct : XXXX [ XXXX ] claims of inaccurate information XXXX XXXX XXXX this account shows last active on XX/XX/XXXX but was opened on a date before XX/XX/XXXX how is this possible? Please delete this inaccurate account. I am looking to buy a house, and this is damaging my credit file. 

XXXX reports a totally different last active date Furthermore, How are you reporting sent for collection monthly? The report will show that you report it Collections/Charge off every month, therefore, hurting my credit score freshly every month. It can only be CC the actual month the company made the claim. You are making it appear as a new CC monthly therefore keeping the most negative effect on my score. That is willful, and purposeful reporting to make sure YOU profit from harming my reputation. 

There are several examples where I have given facts and Both Experian and XXXX have ignored them completely. 

Attached are the challenges that I sent to each agency. And it shows the factual PROOF that they are reporting inaccurately. This is proof and it can not be denied. You have been given factual evidence that these accounts are not reporting accurately, YET you claimed they are. Yet, when compared to the other reporting agency it's inaccurate and incomplete. Also attached are the credit reports to be compared. If it's not 100 % accurate it must be deleted. Thats the law and each can not both have different information yet be accurate. 

I would like all the challenges in that attached file account removed permanently. 

I do not give my written permission for Experian or XXXX XXXX to share these mentioned accounts. I have a right to piracy. I am the original Creditor and My rights have been violated by both Experian and XXXX. 





Experian Challenges I challenged ACCT : XXXX [ XXXX ] Inaccurate information Delete XXXX  The other credit reporting agencies removed this account for inaccuracies. Account Status says closed, but this is consistent with Experian reporting. I challenged this account previously, but the last active was not updated. The last challenge was not XXXX. Please delete this inaccurate account from my file, I am looking to buy a house and this is damaging my credit file. 


I challenged Acct : XXXX [ XXXX ] Account information Delete XXXX Bank XXXX XXXX the last action was not updated This account was disputed, and it was not updated. Please delete this inaccurate account from my file, I am looking to buy a house and this is damaging my credit file. 


I challenged Acct : XXXX [ XXXX ] Account information XXXX XXXX Experian reports that this account was last active XX/XX/XXXX and XXXX reports XX/XX/XXXX. This is inaccurate and needs to be deleted. I am looking to buy a home, please delete this inaccurate account. Please delete this inaccurate account from my file, I am looking to buy a house and this is damaging my credit file. 


I challenge acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed Acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed You are not reporting any late payments on this account. Please remove due to incomplete payment history. What was the first day of delinquency? Please delete this inaccurate account from my file, I am looking to buy a house, and this is damaging my credit file. 



I challenged account XXXX [ XXXX ] Account information XXXX XXXX Bank the account balance is incorrect. Please remove this account for inaccurate information. I am looking to buy a house, and this is damaging my credit file. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it concerns, I challenged Acct : XXXX [ XXXX ] claims inaccurate information Experian reports this XXXX XXXX account 's last active was XX/XX/XXXX but XXXX reports a different month and year. Please remove this inaccurate account from my file. I am looking to buy a house, and this is damaging my credit file. 


I challenged account XXXX And account : XXXX [ XXXX ] claims inaccurate information Possible Finance these accounts have an inaccurate payment history. On account XXXX when was the account charged off you are missing information for XX/XX/XXXX. 

For account XXXX you show 30 days late this is not correct. Please remove both accounts. I am looking to buy a house and these inaccurate accounts are harming my credit file. 

I challenged Acct XXXX. [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed. 

XXXX XXXX XXXX Experian reports that this account was late XX/XX/XXXX, However, XXXX reports that his account was paid on time through XX/XX/XXXX. Please remove this inaccurate account. I am looking to buy a house, and this is damaging my credit file. 


I challenged Acct : XXXX XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed XXXX Experian reports date opened XX/XX/XXXX how can this be correct if XXXX reports a different month and year? Please remove this inaccurate account from my file. I am looking to buy a house, and this is damaging my credit file. 

I challenged acct : XXXX [ XXXX ] claims inaccurate information XXXX XXXX XXXX The payment history on this account is incomplete and therefore inaccurate. Please remove this account. I am looking to buy a house, and this is damaging my credit file. 



XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it concerns, I challenged XXXX XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed. 

Experian reports that this XXXX XXXX  account reported 60 days late XX/XX/XXXX and 60 days late XX/XX/XXXX, how can this be possible? Please remove this inaccurate account, I am looking to buy a home and this account is damaging my file. 


I challenged acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed. 

This XXXX account was re-aged and was not opened in XX/XX/XXXX. Please delete. This account is inaccurate and is a violation of the law. I am looking to get a house and this illegal information is harming my chances at a home. 


I challenged acct : XXXX [ XXXX ] claims inaccurate information XXXX Funding This account was challenged and that was not updated. The account shows last update the month this account opened. This must be deleted for false and inaccurate information. I am looking to buy a house and this inaccurate account by law must be deleted. 


I challenged Acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed. 

Experian reports this XXXX 's account as 120 days late for XXXX and XXXX. How can this be true? Please remove this inaccurate reporting account. I am looking to buy a house and this account is harming my file in that process. 



I challenged Acct : XXXX [ XXXX ] claims inaccurate information XXXX XXXX XXXX this account shows last active on XX/XX/XXXX but was opened on a date before XX/XX/XXXX how is this possible? Please delete this inaccurate account. I am looking to buy a house, and this is damaging my credit file. 



XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, TX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it concerns, I challenged acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed. 

XXXX XXXX XXXX has re-aged this account. I had no dealing with them during any period of XXXX. Please delete. This account is inaccurate and is a violation of the law. I am looking to get a house and this illegal information is harming my chances at a home. 


I challenged acct : XXXX : [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed. 

XXXX XXXX has re-aged this account. I had no dealing with them during any period of XXXX. Please delete. This account is inaccurate and is a violation of the law. I am looking to get a house and this illegal information is harming my chances at a home. 


I challenged acct : XXXX [ XXXX ] claims inaccurate information How is this XXXX account charged off but still shows a credit limit? This is inaccurate reporting that is harming my file. I am looking to buy a house. Please remove this inaccurate account. 


I challenged acct : XXXX [ XXXX ] claims inaccurate information How is this Nebraska XXXX XXXX reporting late payments on a closed account? Experian has been reporting late payments for months/ How can I be late on a closed account with no monthly payments? Please remove this account from my file. 


XXXX  Challenges I challenged ACCT : XXXX [ XXXX ] inaccurate information XXXX is reporting this account was challenged but the information was not updated after the challenge to show that it was disputed by the consumer. Please remove this from my file XXXX it was not accurately updated. 


I challenged ACCT : XXXX [ XXXX ] to belong to another individual with the same/similar name. 
XXXX [ XXXX ] belongs to another individual with same/similar name. 
They do not have the correct identifying information and therefore must be deleted. 


I challenged ACCT : XXXX [ XXXX ] inaccurate information This Lendly account is not reporting accurately, XXXX shows that a payment was made on time on XX/XX/XXXX, Yes for payment received you report a {$0.00} balance. Which is correct? Please delete for inaccurate reporting. 


I challenged ACCT : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed How is this account Open and charged off at the same time? You are reporting both. Please delete this inaccurate reporting. 


I challenged ACCT : XXXX [ XXXX ] belongs to another individual with same/similar name. 
This account does not have the correct Identifying information. Please remove from the credit file. 


I challenged ACCT : XXXX [ XXXX ] Disputed present/previous account status/ Payment history profile/ Payment rating. 
How can XXXX report a payment for XX/XX/XXXX, but also show 30 days late? This was not a late payment, please update this to paid on time. 

I challenged ACCT : XXXX [ XXXX ] Disputed present/previous account status/ Payment history profile/ Payment rating. 
XXXX is reporting that the last payment made was XX/XX/XXXX, yet you also report that the account was closed on XX/XX/XXXX how can the account be closed yet there be a payment made after the account was closed that I did not make? Please remove this inaccurate account. 


I challenged Acct : XXXX [ XXXX ] belongs to another individual with same/similar name. 
Please remove this account, this XXXX could not verify my correct information. 



I challenged this acct : XXXX [ XXXX ] belongs to another individual with same/similar name. 
This XXXX buyer could not verify XXXX correct information. Please remove it from the file. 



I challenged this acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed XXXX is reporting Last payment made was XX/XX/XXXX. Yet your report says that the payment was 90 days late XX/XX/XXXX. How can this be accurate? Please delete this account from my file. 


I challenged acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed This account was re-aged by the debt buyer and is a violation of the FCRA. Please remove this account for breaking the law I challenged acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed XXXX is reporting that there is a scheduled XXXX on a charged-off account, How can this be accurate? Please delete the account from my file I challenged acct : XXXX [ XXXX ] inaccurate information XXXX is reporting a credit limit on a closed account. How is this accurate reporting? Please remove the account from my file. 


I challenged acct XXXX [ XXXX ] belongs to another individual with same/similar name. 
This creditor could not verify my information on requesting information on the account. 



Please remove these inaccurate and incorrect XXXX numbers XXXX XXXX XXXX XXXX XXXX I did not give written permission for the following Inquiries please delete them there is no firm offer of credit. 

XXXX XXXX XXXX via XXXX XXXX XXXX first access

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