Consumer complaint received 2019-08-24
Company: Experian Information Solutions Inc.
State: CA
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:
I have submitted disputes to Experian via phone, online dispute and mail from XX/XX/XXXX -XX/XX/XXXX about the following issues : - XXXX XXXX card account. XXXX was unable to provide records matching the product or account number, but did verify that the balance should be backdated to XX/XX/XXXX as {$0.00} when it was cancelled with the IRS ( form submitted ). Experian still shows balance history into XXXX when it is known by all parties that there is no balance past XX/XX/XXXX. From XX/XX/XXXX on, status was cancelled, balance cleared. Charge-off date not verified and shows contradictions on Experian report. ( incomplete, non-verifyable ). The first knowledge I had of this account was when I received an IRS cancellation form XX/XX/XXXX for a cancelled debt in XX/XX/XXXX with my name on it. I assumed it was related to an old XXXX XXXX XXXX XXXX account I closed in XXXX and had issues receiving and getting the company to process my payments while paying off a remaining amount around {$1000.00}. I closed that card as part of an APR spike opt out agreement and made reports to the company for years about missing bills, incorrect bills, mixed account, mistaken identity while trying to pay off my remaining balance on the CLOSED ( for 10 years now ) account. 

Experian 's action : current balance changed to {$0.00} in XX/XX/XXXX. 

- XXXX account XXXX. I have received nothing with from company about an account beginning with that number. Company has not provided a single bill copy containing mine or my cosigner 's name or any account number on it, a check or debit record showing payment made to my school in XXXX nor a check from my school to me or any signed application or terms of agreement bearing an actual signature. The info they did provide did NOT identify me or contain true facts. The letter they sent did not coincide with their general student loan terms nor did they provide proper date or protocol regarding the death of my cosigner on a loan obtained for me in XXXX. However, the electronic payment ledger they submitted regarding an account of a different number that matches the actual payments I made from XXXX - XXXX reflect that the account was paid in FULL and the balance went to {$0.00} XX/XX/XXXX. Experian shows a charge-off on the account they are showing under a number I never had with contradictory charge-off and payment dates. Anyone looking at the images attached from Experian 's credit report can see this doesn't make sense no matter who's account it was! What we do know from what was submitted is that the similar account XXXX has contains a balance of XXXX and the responsibility was never " individual. '' The account this was seems mixed with was a co-signed account that defaulted upon death of co-signer in XXXX, which means they shouldn't have been charging me my regular monthly payments from XXXX onward under any account number. I only ever had ONE co-signed loan and that was in XXXX for school from XX/XX/XXXX - XX/XX/XXXX. Co-signer died in XXXX and I paid every bill I received until they stopped coming and XXXX told me the account defaulted and was moved to co-signer 's estate. Again, I don't know what this nonsense still showing on my account is about but Experian 's own report contradicts itself. 

Experian action : nothing - Unable to get proper score, report sent to self or lenders. I have asked for a refund for the improper FICO scores I was provided on XX/XX/XXXX and XXXX and asked that the inquiries be removed after finding out the lenders listed in that section did NOT receive the correct report, if any. Here are their responses as investigated by me : XXXX - report received didn't match score or details of ones provided to me XXXX - didn't receive report, couldn't identify me and didn't respond to emails for more info. 
XXXX XX/XX/XXXX- report received didn't match score or details of ones provided to me XX/XX/XXXX XXXX - unable to verify what report was received if any, but sent a card I didn't order, accept or activate for {$400.00}, WAY below any card I've ever had or currently have. Offer is not reflective of score or info provided to me. 
XX/XX/XXXX - regarding XX/XX/XXXX inquiry. Bank could not verify what was received, if anything and did not send letter or response with further details. 
XXXX XXXX - fraudulent inquiry Experian action : removed XXXX XXXX. I have not received refund for the scores I bought advertised as accurate and up to date and the other inquiries are still showing on my report. 

NOTE : I still don't know what is really being sent to lenders about me because I haven't received an updated report from Experian since beginning this round of disputes on XX/XX/XXXX. They just keep sending me repeats of the same inaccurate info with slightly changed dates. If they have proof that either of these accounts truly belong to me, with proof of what the account numbers were connected to my name, what the product was, what payments were made from a bank account belonging to me and when the alleged charge-off periods began, I'd like to see it. I'd also like a paper copy of what they are currently verifying as my credit report and details of their investigation ( names, dates, info, docs received, actions taken ) that is now past 60 days of repeated disputes.

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