Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: CA
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:
on XX/XX/XXXX I submiited to XXXX, XXXX  and experian a dispute letter asking if they can investigate inaccurate errors on my report and if they can please remove it.. 
XXXX/XXXX  XX/XX/XXXX payment status was in correct they never made any changes XX/XX/XXXX/ XX/XX/XXXX- paymnt status inaccurate never removed it or corrected it XX/XX/XXXXXX/XX/XXXX date of last pymnt inacurrate never corrected it or removed it navient is reporting the wrong amount, dat opened is wrong and dates reporting wrong. XXXX was sued for this matter.. this suppose be removed from all 3 of my credit reports. 
XX/XX/XXXX/ XX/XX/XXXX-- paymnt status is inaccurate, have two different open date XX/XX/XXXX, XX/XX/XXXX date of last activity is incorrect they never corrected it.. it was reporting a paymt when it suppose to be a closed account.

US DEPT Ed -- open date is reporting different on all 3 bureaus XXXX,XX/XX/XXXX which was never corrected all inquires the creditors never repsponded back or tried to help removed they stated the bureaus hve to do it.. then i called the bureaus and they stated the company the inquires was made from have to do.. just alot of run around which very unethical XX/XX/XXXX I sent over another letter disputing these accounts again asking how was these accounts verifed and sent over a stall letter no reponse.. attached previous letter and new dispute letter identifying all inaccurate and incorrect info on my report.. still didnt make changes of delete info as was advised to do the fcra.. 
I again sent out letter 3 on XX/XX/XXXX asking them to please investigate all info included in letter.. still no response.. 
I again sent out letter 4 on XX/XX/XXXX asking them to not stall and do to no response i advised them that these accounts are unverified.. not response. 
XX/XX/XXXX i sent another letter advising them that i know they didnt perform an independent, legal investigation letter if you had, you'd have known that what I'm disputing is NOT accurate, complete or verified. 
Please send ASAP, as 15 days should be enough time. 
We await your response. Re-investigate and delete : NO RESPONSE OR ANY ACTION WAS TAKEN ... 
I SENT OVER TO XXXX  XX/XX/XXXX ... .I can't figure out how you've sent me a form response stating that this has been verified, when I know that you've done nothing more than send an electronic inquiry to the creditor, who then checked this info against their records. How can that be legal verification? I require that you perform an actual investigation of these items immediately : Im not sure of how you did this when I know for a fact that this account is inaccurate. From my research on the FTC website, it stated that all reporting from creditors or collectors must be 100 % accurate and not 90 %. I demand that you provide me with all documentation and relevant information from your investigation. Please dont send me a standard verification letter as I received one of those before when there was other inaccurate information on my account. I NEED THE PROOF. If you cant provide this proof, firsthand knowledge, proof that there was ever an investigation and not just a process via eOscar, please delete this information from my credit report. STILLL NO ACTION WAS TAKEN AND NO RESPONSE ... ... 

AS YOU CAN SEE I'VE BEEN MORE PATIENT WITH THEM NOW I MUST PERFORM LEGAL REMEDIES TOWARDS THE BUREAUS.. CAN YOU HELP GET THESE ACCOUNT DELETE IMMEDIATELY.. I'M TRYING TO PURCHASE HOME FOR MY XXXX KIDS.. PLEASE HELP ... ...

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