Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I have negative items that should not be there and I contacted the bureaus and creditors to verify these negative items and I have not received any notification. They are suppose to investigate these mistakes which are effecting my credit report within 30 days. 

XXXX Account Name : XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX They have this on my report twice Unverified account Account Name : XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Reason : Unverified account Account Name : XXXX XXXX XXXX XXXX late payment Account Name : XXXX XXXX  The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

EXPERIAN Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Reason : Unverified account Account Name : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Reason : Unverified account Account Name : XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from 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 were all on time. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 


XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Reason : Unverified account Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Reason : Unverified account Account Name : XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX account Account Name : XXXX XXXX XXXX Unverified account Account Name : XXXX XXXX XXXX Unverified account ccount Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from 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 were all on time. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time.

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