Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: MO
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 XX/XX/XXXX I initiated the credit dispute process via XXXX XXXX XXXX XXXX due to numerous inaccuracies being reported in my credit file with Experian. I obtained credit monitoring services as well to keep track of all records. After the first dispute, much information was removed, however, a larger amount of accounts were seemingly incorrect. So, upon my discretion, a second dispute was started only further damaging my credit history due to accounts with reporting XXXX   balance remaining open and derogatory comments on the same accounts with other bureaus. Account status began closed but have been reopened, incorrect payment history is being reported and it is increasingly causing me great deals of stress. I am paying professionals hundreds of dollars to correct this situation to no avail. Nevertheless as the months continue, my credit reports have fluctuated up and down due to accounts being closed, being removed and then re-reported as " new collection activity ''. Which is causing my score to drop further from where it should be. I depend greatly on Experian reporting every account accurately and I have yet to find more than five accounts that have been reported as such. I just want my credit file to be reported accurately. Each bureau has different information, so I doubt the " validity '' of most of my entire file. Seeing that these are the results after my initial dispute, I highly doubt how each account is being reviewed and I know inaccurately reporting is a direct violation of the FCRA. Below I have listed the accounts that are inaccurate due to incorrect balances, payment history, account status, last payment/ reporting dates, etc. : XXXX XXXX Acct XXXX**** {$23000.00} - Account should reflect refinance status XXXX XXXX  Acct XXXX**** {$1200.00} - Account balance was paid in full XX/XX/XXXX, never went to collection, negative info was never removed. 

DEPTEDXXXX Acct XXXX**** {$0.00} - verified, no balance and open DEPTEDXXXX Acct XXXX**** {$2700.00} - verified, monthly payment inaccurate XXXX Acct XXXX**** {$9500.00} -Never transferred in 10 years, not sold to XXXX, no balance and have not refinanced. 

XXXX XXXX Acct XXXX**** {$300.00} - Not joint account, never sent to collection because I closed the account after payment in XX/XX/XXXX. Not dismissed and not included in bankruptcy XXXX BANK Acct XXXX {$230.00} XXXX   Account paid to XXXX balance and closed by me. Last date of activity incorrectly reported. Account was closed in XX/XX/XXXX and not disputed. 

XXXX XXXX XXXX  Acct XXXX**** Never banked with this particular company, did use sister company XXXX XXXX  but only had two secured credit cards. Did not own this account. 

XXXX Acct XXXX**** {$0.00} - Account listed as paid on others. 

DEPTEDXXXX Acct XXXX**** {$0.00} - verified, no balance but still open. 

DEPTEDXXXX Acct XXXX**** {$170.00} - Account status does not match, balance does not match other bureaus, and comments are incorrect. Was not dismissed, not in bankruptcy. 

XXXX XXXX XXXX Acct XXXX**** {$16000.00} possibly Balance incorrect and has steadily increased over time, account status incorrect, monthly payment incorrect, last payment incorrect, and number of months on term incorrect. Comments also incorrect and damaging. 

XXXX XXXX Acct XXXX**** {$13000.00} - Account status not derogatory and current, this account can't be dismissed and open, last payment doesn't match any other bureau. 

DEPTEDNXXXX  Acct XXXX**** {$0.00} - verified, derogatory and still open ACCT XXXX XXXX Acct XXXX**** $ XXXX Was removed from credit then readded with new collection activity. 

ACCT XXXX XXXX Acct XXXX** {$100.00} - Was removed from credit then readded with new collection activity. Had double insurance there were no bills sent to collection. 

XXXX XXXX CO Acct XXXX**** {$74.00} - Account was removed then readded as " new collection activity '' XXXX XXXX Acct XXXX**** {$860.00}, now {$880.00} - Not sure how debt is verified without any document signed by myself. This account was deleted and readded as " new collection activity ''. 

XXXX Acct XXXX**** {$120.00} - Not sure how debt is verified without any document signed by myself. This account was deleted and readded as " new collection activity ''. 

XXXX Acct XXXX**** {$730.00} - Not sure how debt is verified without any document signed by myself. This account was deleted and readded as " new collection activity ''. 

XXXX XXXX XXXX Acct XXXX** {$810.00} - Not sure how debt is verified without any document signed by myself. This account was deleted and readded as " new collection activity ''. 

XXXX XXXX Acct XXXX**** {$13000.00} - Account was joint, included in bankruptcy and account was settled for less amount. Never went to collection l XXXX XXXX XXXXL Acct XXXX Acct XXXX {$9500.00} - Account was legally paid for less than balance but a duplicate account was fabricated at the same dollar amount. Only one account is valid and neither was included in Chapter XXXX, XXXX, or XXXX as per the comments. Furthermore the last payment for both accounts are inaccurate as well as the last active date.

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