Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a customer of Experian credit monitoring services and pay a monthly fee for said service. I am writing to dispute a delinquency that is on my credit report. And the absolutely disappointing service Ive received in trying to deal with it. 

On or about the end of XX/XX/2020, I noticed the delinquency on my credit report that indicated that I had a 60 day or greater past due indicator. I reviewed my report and nowhere in it in active or closed accounts did it indicate ANY delinquent payments. In fact, just the opposite. EVERY account was green with either pays on time or exceptional payment history. 

I called and spoke to a representative who reviewed my report and advised that she would create a ticket to address this. I left it for a month assuming I would see a correction OR receive some sort of communication from the company to investigate. After a month and a half, I checked my report again and alas it still shows the delinquency. I called again and spoke to an agent and expressed my concern with the fact that this had not been resolved. The agent apologized and advised that she could see the ticket but was unsure why it had not been addressed. She told me that she would file another ticket to resolve the issue. I asked to speak to a supervisor and was told one would call me back. Sometime later I received a call from a woman who claimed to be a supervisor and was told. I apologize but at this point there is nothing we can do. She advised that I have to wait for the process to unfold. Unhappy with this I waited a few days and called yet again. I spoke to a lady and asked to be transferred again to a supervisor. I was transferred to an agent. I advised the agent of the derogatory indicator and of the ticket processed as such. I first asked him how long it would take to resolve this ticket as now almost three months had passed. He told me I honestly cant tell you. It could be one day, or it could be longer to which I asked, well how long is longer and I was told maybe thirty days. I then told him that in my opinion as a paying customer that  this service was unacceptable and that I was going to have to seek counsel to remedy this as not only were they not protecting my credit but in fact playing a key part in ruining it. He told me, and this is what really angers me as a paying customer, Do whatever you need to do. He also told me that this was a technical error that was going to have to go through that department to be resolved as he as well could not see ANY negative payment histories current or past on my report.

So, here Is where we are at. Im extremely dissatisfied with the service Experian has provided and by way of this notice am requesting that you remove my 60 day or longer delinquency. 
I still have an open ticket but frankly have no trust in the process working. I will also by way of this letter file complaint with the XXXX XXXX XXXX and have notified the Attorney General of your companies actions. 

You folks promote the protection of peoples credit and claim to prevent identity theft. In point of fact you havent done either and you have stolen my identity as you have prevented me from obtaining a home refinance due to a Technical error in your system.

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 monetary relief