Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: OR
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:
On numerous occasions going back to XXXX and early XXXX after my spouse had filed XXXX XXXX and the debts where included in the initial discovery and ultimate conclusion of the closer I noticed many of the debts that where listed ultimately showed up on my credit report or information was changed and updated to reflect incorrect data /information. I immediately filed disputes with experian regarding this information only for the company ( experian ) to come back with dispute results in less than XXXX hrs and even after requesting the data and information they used to verify or confirm or not listen to my dispute they never furnished any doc or proof of how they supposedly validated something that is clearly wrong or incorrect. This data wasn't ever on my report nor is there a record of me requesting any credit with the company and dispite me submitting documents proving and showing the errors experian ignored and made no changes or came back with " account updated '' and then subsequently would then make the change to theb account opening date " to the date of the dispute or the date they reached out to the company was n ow the " opening date '' which is wrong! But on a debt that isn't mine rather was a credit card my spouse had then when XXXX pulled all info and listed all debts on the bk discovery how they then erroneously show up on my report? I have had no luck with this agency actually validating anything or deleting this information. I have multiple accounts that despite sending doc showing the correct date of last payment or date of first missed payment and it should be removed or deleted because the real statue of limitations has long expired instead they have updated the account open date to the date of dispute and now it's negatively impacting my credit showing a account that is newer in its late status even though the account at in e time reported in the good standing section on prior reports and showed no late payment and was in pd never late status and was opened in XXXX it should be gone all together. Only for me to view a report this week because I was a victim of identity theft and fraud pul my report to discover this account is now reporting in the late account s and the information is blank except account opened XX/XX/XXXX and collection! I file another dispute for this and again XXXX hours later they say it's valid and update nothing I sent proof of statue of limitations expiring so remove the account all together. I've had no success. 
The account in question is with XXXX the XXXX  was XX/XX/XXXX the actual original creditor isn't even listed and on other credit reports show the correct original creditor this agency shows nothing rather than this is a new account by itself and no other data except XXXX days late. The account was successfully paid in full and closed in XXXX with the first missed payment in XXXX Then after disputing it back in XXXX the account was showing in paid XXXX day late with a XXXX balance. That's where it stayed until I once again when I saw that this account hadn't been removed asked for its deletion because the statue of limitations had expired only for them to update it as valid and Co firmed then the date changed to status as of and last activity date to the XXXX and date of last payment to XXXX which is incorrect. I once again in XXXX disputed it again with no progress and now at that point they removed the balance completely removed the dates completely accept account opened XXXX and then shows nothing except late and collection and is now reporting negatively and they refuse to follow there own history on my report or the proof I got from the company stating a count was paid in full that statue has also expired. Both the negative reporting tie frame has expired but even the positive ststaus of the account it shouldn't be any longer showing up on my report.ive had no luck with getting them to actually correct this instead they've created further issues and not resolved my concerns or correct the information. They've falsely been reporting inaccurate dates, history, amount and balance and the missed payments.they haven't furnished any validation of the information that's not in alignment to the evidence I've submitted. They've extended the report time by making these changes

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