Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: MD
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 Monday, XX/XX/XXXX I mailed a USPS Certified dispute letter # XXXX XXXX XXXX XXXX XXXX to the EXPERIAN CREDIT BUREAU. On Monday, XX/XX/XXXX, EXPERIAN employee, XXXX XXXX, signed the USPS Certified dispute letter # XXXX XXXX XXXX XXXX XXXX. In the dispute letter that was dated XX/XX/XXXX, as I also did three other times in XXXX : I disputed EXPERIAN 's allegation that this account was XXXX Days Late ; XXXX Days Late ; XXXX Days Late ; and XXXX Days Late, as I had I fulfilled and I paid my monthly obligations to XXXX XXXX XXXX on time. 

I enclosed highlighted and circled copies of my customer statements that were PROVIDED by XXXX XXXX XXXX, the same creditor, who is responsible to accurately report the correct payment status for this account number # XXXX XXXX XXXX XXXX XXXX : 1 ) XXXX Statement ( Closing Date : XX/XX/XXXX ) : I paid the amount {$170.00} on XX/XX/XXXX, as proof. 
2 ) XXXX Statement ( Closing Date : XX/XX/XXXX ) : I paid the amount {$240.00} on XX/XX/XXXX, as proof. 
3 ) XXXX  Statement ( Closing Date : XX/XX/XXXX ) : I paid the amount {$140.00} on XX/XX/XXXX, as proof. 
4 ) XXXX  Statement ( Closing Date : XX/XX/XXXX ) : I paid the amount {$90.00} on XX/XX/XXXX, as proof. 

I received the " dispute results '' from EXPERIAN ( # XXXX for XX/XX/XXXX ). On page 1 of 6 EXPERIAN stated, " We reviewed the documentation you provided with your dispute, but determined that it was not sufficient to make the changes or deletions you requested ''. 

ERROR 1 : Question : Since EXPERIAN will not answer this question in a " dispute format '', I will ask you, By what " method '' did EXPERIAN used to determine that the documentation was not sufficient to make the changes or deletions that I requested? 

ERROR 2 : On pages 2 of 6 thru 4 of 6 EXPERIAN has stated, " Here are your results ''. We completed the processing of your dispute ( s ). '' Credit items XXXX '' Outcome : Updated- Information on this item has been updated ''. 

Credit items 1 ) " Before dispute '' page 2 of 6 2 ) " After dispute '' page 3 of 6 3 ) " XXXX   Partial account XXXX '' page 4 of 6 Question : What has been updated? According to this EXPERIAN CREDIT BUREAU report, It is quit clear that EXPERIAN NEVER made any CHANGES or UPDATES to the CONTNENTAL FINANCE COMPANY/VERVE account. 

Note : This is a violation of the Fair Credit Reporting Act ( FCRA ). 

ERROR 3 : " DATE OF STATUS '' -INVALID DATE OF STATUS. EXPERIAN has stated " XX/XX/XXXX '' This is inaccurate and incorrect. How can that be? According to this EXPERIAN CREDIT BUREAU report, It is quit clear that EXPERIAN NEVER INVESTIGATED the XXXX XXXX XXXX account. On XX/XX/XXXX I disputed XXXX XXXX XXXX account # XXXX and EXPERIAN verified the item as accurate. However, the " DATE OF STATUS '' for EXPERIAN did not change. Its appears that no investigation was actually done. I am asking for a " paid as agreed '' status, because you did not follow the procedure as outlined in the Fair Credit Reporting Act ( FCRA ) Note : This is a violation of the Fair Credit Reporting Act ( FCRA ) Evidence : 1 ) Verve Statement ( Closing Date : XX/XX/XXXX ) : I paid the amount {$170.00} on XX/XX/XXXX, as proof. 
2 ) XXXX  Statement ( Closing Date : XX/XX/XXXX ) : I paid the amount {$240.00} on XX/XX/XXXX, as proof. 
3 ) XXXX Statement ( Closing Date : XX/XX/XXXX ) : I paid the amount {$140.00} on XX/XX/XXXX, as proof. 
4 ) XXXX  Statement ( Closing Date : XX/XX/XXXX ) : I paid the amount {$90.00} on XX/XX/XXXX, as proof. 
5 ) Experian Dispute Letter that is dated XX/XX/XXXX XXXX ) EXPERIAN DISPUTE REPORT # XXXX for XX/XX/XXXX page 1 of 6 thru page 4 of 6 7 ) USPS Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX XXXX ) USPS Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX ) EXPERIAN CREDIT REPORT # XXXX for XX/XX/XXXX Sincerely Yours, XXXX XXXX XXXX

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