Consumer complaint received 2021-03-31
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: Investigation took more than 30 days

Complaint:
Since XX/XX/XXXX, I have disputed with the credit bureaus regarding several accounts. They either verify the account, or I do not receive any response regarding the disputed accounts, nor do they update my accounts on my credit report. Regardless, I have done my due diligence as a consumer and am within my rights to dispute questionable or inaccurate accounts along with request a method of verification. However, multiple times they could not provide me with any proof on how they are verifying these accounts. I even directly contacted the furnishers and they either can not provide proper validation or did not respond at all. I have attached a copy of my last letter ( which includes certified mail tracking numbers for each account to prove they received the letter ), furnisher letters, and a copy of my certified mail receipts. 

I have sent multiple letters to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( certified mail with no response and it has been over 60 days ), requesting the credit bureaus to verify the following accounts and provide proof of debt and they could not. I even contacted the furnisher directly and they could not properly validate as well ( I have attached their responses or lack thereof in reference to XXXX XXXX XXXX ). The following accounts remain in error : XXXX XXXX XXXX I have never received a single bill from XXXX regarding this account and as seen in my most recent credit report, there are numerous errors from Date Last Active, Date Last Payment, Payment History, and Payment Status. It seems that the credit bureaus are willfully neglecting my requests for proper verification regarding this account, though they have updated Last Reported date. 
I would like this account removed immediately. 

XXXX XXXX XXXX XXXX The credit bureaus comment that the account has been verified by the furnisher, but there are discrepancies across the bureaus. As seen in my most recent credit report, and If they are receiving data from a single furnisher, how can the Date Last Active have three different years ; Payment Status in Collection/Chargeoff and Late 120 Days simultaneously, and Payment History showing payments made after the account has been already closed and in collections? These inaccuracies are injurious to my credit report and to my pursuit of home buying. I would like this account removed immediately. 

XXXX XXXX The credit bureaus comment that this account has been verified on my credit report but maintain discrepancies across the bureaus. The credit bureaus verified the account as accurate, but Date Last Active show three different years, Account Type can not be in Collection while Open simultaneously, Payment Status shows in Collection/Chargeoff while Late 120 Days, and Payment History shows payments being made XXXX and XX/XX/XXXX. I would like this account removed immediately. 

XXXX XXXX XXXX XXXX The credit bureaus verify this account as accurate, but upon viewing my most recent credit report, there are serious errors. From three different years in Date Last Active, Account Status ( Open and in Collection simultaneously ), and Payment History showing payments being made and repeated collection status. As previously stated, I contacted each of these furnishers individually and received some sort of response from them except for XXXX XXXX XXXX, so I am not sure how the credit bureaus verified this information. I would like this account removed immediately.

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