Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: MD
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 looked at my free credit reports from XXXX and found a lot of things being reported wrong by the credit bureaus. Im shocked to see all the types of wrong information from wrong names, addresses to inaccurate accounts and inconsistent information on each report. This has to be fixed. Ive tried contacting the bureaus many time and have disputed these errors a lot. I sent dispute letters to the bureaus and alleged collectors you all report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

You all have all kind of errors on the report. Im going to list the issues out below for you to review and delete off my report because this is negatively affecting me and its not right. 
XXXX XXXX XXXX, there is no account number listed at all and no date of last payment ... This is not my account! The next issue, 2 wrong collection accounts reporting from XXXX is falsely being reported to my credit. These people havent sent me anything and they never replied to any of my requests to validate their claim that I owe them money. Or some kinda document w/ my signature showing I agreed to pay something to a healthcare provider with required HiPAA authorization. All of this is wrong. 
Another issue I found in you alls reporting is a XXXX  XXXX account that has NO account number whatsoever. The date of last payment says XX/XX/XXXX but the payment history shows the last payment was made in XXXX XXXX and the false 30-day late started XX/XX/XXXX. That dont make any sense to me and the bureaus keep reporting this false information. Please also take a look at the XXXX XXXX account being wrongly reported to my credit with Experian and XXXX. On XXXX Again there is no account number at all. The date of last payment shows XX/XX/XXXX by the payment history shows no payments and no collection reporting from XX/XX/XXXX beyond, and the date of first delinquency XXXX reporting is XX/XX/XXXX? How? And Experian reports current on time payments through XXXX up until XX/XX/XXXX, but XXXX reports 30 60 90 120 day lates in XXXX and CO from XX/XX/XXXX onward. Im looking directly at all of this inaccuracy on my own reports and its shocking! 
XXXX XXXX is another wrong account where XXXX reports CO XX/XX/XXXX and paid on time XX/XX/XXXX, then CO from XX/XX/XXXX onward but Experian reports current on time payments XXXX - XX/XX/XXXX, then no data at all, then 30 30 60 60 60 90 day lates XXXX - XX/XX/XXXX, and No data XX/XX/XXXX - XX/XX/XXXX. And yall are reporting wrong late payments on the XXXX account. XXXX reports 60 60 60 90 days late 4 months in a row from XX/XX/XXXX to XX/XX/XXXX and Experian reports 30 60 30 60 90 days late consecutively from XX/XX/XXXX to XX/XX/XXXX. These are wrong and dont match at all. 
Lets not forget my names and addresses are 100 % wrong. Im really frustrated and disappointed at all of this mess and want it fixed immediately.

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