Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: FL
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:
Since XX/XX/XXXX, I have now sent letters to Experian 3 separate times disputing 8 late payments ( XXXX ), a creditor account ( XXXX XXXX ) and a collection account ( XXXX XXXX  ) that should NEVER have been on there, and even showing them violations of their reporting. The fact of the matter is I was NEVER late on these accounts. They show the accounts were 90 days late, but there are no 60 or 30 day lates before that on the reports. I was NEVER late. Here is the history of my dispute letters to Experian regarding this, and I've attached the corresponding letters with this complaint : 1st letter - XX/XX/XXXX - ( USPS Certified Mail Tracking Number XXXX ) - They did NOT remove the late payments or the collection account, and sent me a letter back stating that they had " verified '' them, but did not enclose any proof of their investigation, or how they had arrived at that conclusion. I then sent them a 2nd letter on XX/XX/XXXX after I received their reply. ( USPS Certified Mail Tracking Number XXXX ). They again did NOT remove the late payments, or the collection accountand sent me a letter back stating that they had " verified '' them, but did not enclose any proof of their investigation, or how they arrived at that conclusion. I then sent a 3rd letter, this time detailing actual violations that I was seeing being reported on these accounts on the credit reports. You'll see this in the 3rd letter to Experian that I have enclosed with this complaint. In that letter, I even included screenshots of violations, so that they would see the violations, and know that they needed to finally remove these things. Here 's what the violations said on the letter : 1 ) XXXX XXXX XXXX XXXX Remove this account due to inaccuracies with the DOLA and the Date of last payment. XXXX reports the date of last activity as XX/XX/XXXX, Experian reports it as XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. XXXX and Experian are reporting the date of last payment as XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. Delete this account immediately. 2 ) XXXX  XXXX  XXXX   XXXX Unknown account, but youve now told me twice that you have verified this account as being accurate?? XXXX is reporting date of last activity as XX/XX/XXXX, and Experian is reporting it as XX/XX/XXXX. Delete account immediately. 3 ) All 8 of the XXXX accounts - " Youve now told me twice that you have verified this account as being accurate?? Remove account due to date of last activity and payment history being inaccurate. XXXX is showing DOLA as XX/XX/XXXX, Experian is showing XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Also, why do you report that I am 90 days late when there are no late payments prior to that? I was never late. Delete this immediately! '' By the way, even though they had received and replied to 2 disputes on these accounts BEFORE that, there were no comments on the report about the fact that I had disputed in the past, which is another violation. I sent this 3rd letter - XX/XX/XXXX - ( USPS Certified Mail Tracking Number XXXX ). They received it on XX/XX/XXXX. They once again have sent me a letter stating that they verified everything, and again without providing any proof of an investigation. During this same time, another credit bureau XXXX removed 4 of the late payments, the account with XXXX XXXX, and the collection account with XXXX XXXX as they could NOT verify them. So, it's obvious that Experian never actually investigated. I was NEVER late on any of these accounts. I demand that they remove all of the 90 day late payments from the XXXX accounts, the account with XXXX XXXX, and the collection account from 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