Consumer complaint received 2019-03-05
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:
Just a suggestion - I did write this with breaks between paragraphs, making it easier to read, but they seem to have been removed from the final edit. 

Hello, I am filing a separate complaint against XXXX with the Comptroller of the Treasury, so I am not going to go into the details of how this began ( unless you request that I do, in which case I'll be happy to ). What this filing is about is Experian not correcting information that they can see with their own eyes is erroneous. 

A couple of months ago - possibly closer to three - I filed a dispute against XXXX with Experian regarding an error on my credit report. ( I have not yet seen whether this also appears on XXXX  or XXXX  reports, but I will find that out shortly ). 

While XXXX is the culprit for not reporting over {$3000.00} in payments they've received from me in the last year and a half, Experian is complicit in refusing to recognize a blatant mathematical impossibility. I have received no correspondence whatsoever related to the results of the dispute, not from Experian nor the creditor. I see nothing on the report that shows that any change has been made - no comments, no anything ( I've asked them to direct me to where that is if I'm simply looking in the wrong place, but they have offered no help whatsoever in that regard ). 

Over the past year and a half I have sent XXXX {$150.00} a month ( this figure is the result of a payment agreement I came to with XXXX that they chose to remove me from, but that I nevertheless stayed true to ). These payments have cleared the bank and have been applied to the balance. Yet the report is showing that no payments have been made for the past 20 months! 

I noticed when about to submit this that it says I will not be able amend it later with any documentation. While I'm not prepared to do that at the moment, it really isn't necessary to provide proof of the payments because on the very same report, it shows that the balance has gone down by the total of the payments ( and it will have reduced even further by the time you get to this, as another payment just went out ). Yet XXXX refuses to acknowledge this and has even written off the balance as a bad debt ( I'm assuming that's what " charge-off '' means ). 

Both things can't be true - that XXXX has not been receiving payments AND that the balance is being reduced. I know with certainty my credit score is suffering from this. Just last week Experian itself sent me an alert that I dropped from the " good '' to " fair '' range, even citing the XXXX issue as the reason! 

From here on in, if XXXX would like the reality to be that it's a bad debt that is not being paid down so they can write if off, then they should decline the payments. Or I will oblige them by stopping the payments, but I must hear that from them first. 

As an aside, I am unable to access any of this through XXXX. They no longer send me statements and from what I can tell, have removed me from their customer database altogether - there is no account for me to log in to. This is also something that needs to be changed, so that I can keep a closer eye on things. 

It's no secret that the bureaus receive most of their revenue from the creditors - how the government allows such a conflict of interest to go on is mind-boggling. 

Apologies for lack of brevity. 


Thanks for your time, 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