Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: FL
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:
Im reaching out to you regarding XXXX, XXXX, and Experian. I have been back and forth trying to have them remove inaccurate/incomplete information from my credit file since XXXX. It has been a nightmare because I have basically done everything, I know what to do but still no results. When I reached out to all three credit bureaus, I would make mention that I was not contacting them to verify or update anything, but I was reaching out to them because of the inaccurate/incomplete information on my credit files. 
I also provided information/documents to all CRA when I would write them concerning the inaccurate/incomplete information to let them see the proof and evidence because I understand they have obligations under the FCRA to ensure the accuracy of the information we give them. As a rule, its illegal to report information that is inaccurate or incomplete. I would also remind them each time they send me an update or it has been verified that its a violation because they refused to remove inaccurate information when I sent in documents.

Even to this day, Im getting the same responses and they have even sent letters stating that there are some of the accounts that they will not reinvestigate unless I can provide sufficient information to investigate the disputed information, they can not consider this to frivolous or irrelevant because I also include documents and proof, they take it upon themselves to ignore them. ( Ive also included an attachment showing you how an investigation was never done. You can look at the Date Updated and if the date is not current or has not been updated within the last 30 to 60 days, there was no investigation completed.

1-XXXX XXXX If you look at the Date Updated XX/XX/XXXX, which means I have disputed this account several times since then, so if an investigation would have been done, it would be more current than what it is now. This report was just printed on XX/XX/XXXX, but its still showing Date Updated XX/XX/XXXX 2XXXX XXXX XXXX XXXX -- Date UpdatedXX/XX/XXXX, which means I have disputed this account several times since then, so if an investigation would have been done, it would be more current than what it is now. This report was just printed on XX/XX/XXXX, but its still showing Date Updated XX/XX/XXXX One thing that I have noticed, before they are willing to delete the inaccurate information from your credit file, they will rather take the name of the company and put their name in the comment section and they refer to that as the account being updated, which means they can now send you a letter and say account has been updated. ( Example ) XXXX is a bank and I write in and states that XXXX is reporting false information, so instead of removing the account because of the proof I sent you, you rather just put XXXX in the comments and send a letter saying the account has been updated. It has not been updated but they use that to keep from removing the account. I reached out to all 3 CRAs and asked them about the comment sections and no one could give me a season why they put the creditor/company name in the comment section. 

I'm hoping that some can be done concerning this situation. 

Thank you,

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