Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: TX
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:
To Whom It May Concern, I have been in the process of thoroughly investigating my credit profile, when it came to my attention that their was both inaccurate data being reported on my profile, along with data that that doesn't align with what is being reported by other credit reporting. On XX/XX/2023, I wrote a letter, which was sent via certified mail to Experian directly, disputing the accuracy of multiple accounts and requesting they do a thorough investigation on my credit profile to ensure the data that furnishes my report is accurate. XXXX XXXX tracking, this letter was received on XX/XX/2023. The inaccurate date being reported is falsely representing my creditworthiness causing immense mental and financial stress. 

Experian responded on XX/XX/XXXX noting that they have investigated my credit profile and updated my account ensuring accuracy. Upon review of my updated credit report, I not only saw multiple inaccuracies, but also, the data did not align with what was being reported by XXXX and XXXX. If their investigation results claim to be 100 % accurate, they would align with that of the other credit reporting bureaus as well. Below I have listed the account that were falsely deemed accurate, along with their inaccuracies, and what is being reported by the other CRAs. 

XXXX. XXXX - Partial Acct # - - The address in which is being reported is inaccurate which resulted in numerous failed attempts to contact the company requesting validation of alleged debt. The address being reported by Experian is : XXXX XXXX XXXX XXXX Missouri along with no number available to call XXXX and XXXX both report the accurate address which seems to be : XXXX XXXX XXXX XXXX Missouri while also reporting an accurate phone number. 

Along with that, this account is not a student loan as Experian is reporting under the account type section. Both XXXX and XXXX accurately reflect this account for what it is ; an installment loan. I believe under the FICO scoring model, types of account are weighed differently for a " mix of credit '' score which would cause this to inaccurately report on my credit profile. Attached along with this complaint will be screenshots of the addresses being reported by all three credit bureaus. Also circled will be the discrepancies of balance histories being reported by XXXX and Experian. 

XXXX XXXX XXXX Account # - XXXX. XXXX XXXX Partial Account # - XXXX. XXXX XXXX Partial Account # - These accounts are reflecting multiple inaccuracies still after being verified as accurate according to Experian, especially in regards to the accuracy across the 3 CRAs. Experian claims to have accurately investigated the account yet the balance updated date from Experian shows none of these account have been updated within the last year. I also disputed said accounts directly with XXXX XXXX and they have since updated my credit profile with the accurate information. According the XXXX, these accounts account were all updated on XX/XX/2023. Along with that correction of the inaccurate data, the payment history has since changed reflecting a more accurate credit worthiness and a drastic increase in my credit score and overall credit worthiness. 

Attached along with this complaint will be screenshots that include the up to date late history payments being reported by XXXX. Also included the discrepancies between the balance updated dates being reported by Experian and XXXX. XXXX is more recent and successfully updated my credit profile ; Experian did not. 

3. XXXX XXXX XXXX Partial Account # - Upon Experian verifying my profile to be 100 % accurate along with all the information listed on my credit reports, I was quick to spot another inaccuracy in my reporting. The address being reported is once again, inaccurate. This happens to be extremely frustrating as I'm spending valuable time writing, sending, and anticipating responses for my disputes along with spending hard earned money paying for certified mail delivery to the original creditors just to find out it was never being sent to the correct address. The address being reported by Experian is : XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Through my own investigation I was able to come to a conclusion that this address was the correct one.

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