Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is in violation of the Fair Credit Reporting Act and in violation of Validation of the Fair Debt Collections Practices Act. XXXX representative acknowledged that information reported to credit agencies are inaccurate in a response to a claim made through the XXXX  reported on XXXX XXXX, XXXX this response included in this complaint it states that after a forced re-investigation XXXX themselves has found inaccuracies with reports made on my personal consumer report. CRA 's ( Experian and XXXX ) are also aware of these inaccuracies as stated in previous complaints against XXXX. The representative continued to make false and misleading statements until evidenced showed that there is actual incorrect information. XXXX representative confirms incorrect payments balances and late payments reported but states that the CRA 's are the ones reporting incorrectly. After speaking with both CRA 's ( Experian and XXXX ) they have stated that they are unable to report ANY information outside of what a " Creditor '' Provides to them, confirming that XXXX is solely responsible for reporting damaging incorrect information to these CRA 's. Representative also made false claims that all open disputes with these CRA 's are currently resolved and closed in response made to XXXX  on XX/XX/XXXX. I can confirm that CRA 's ( Experian and XXXX ) both currently show XXXX  account in " DISPUTE '' since XX/XX/XXXX and reopened XX/XX/XXXX and both can confirm dispute still in review status. XXXX representative still will not acknowledge or report account status in " DISPUTE '' even though company has received notice of account in dispute sent via fax and via certified mail. This information has been supplied to CRA 's and reason why account is currently in " DISPUTE '' status with reporting agencies. Due to inaccuracies reported, Experian has suppressed reporting by XXXX and XXXX confirmed with company of the payment history is inaccurate. In an attempt to " Update '' XXXX sent request to update information after the fact. XXXX is in violation of privacy laws, FCRA, FDCPA laws as well as Defamatory Acts. Below is the Complaint information reported to the XXXX  : Continued False and inaccurate statements : Defamatory gestures and misleading statements not reflecting correctly in the aspect of account dispute status. I have spoken to both XXXX as well as Experian and they have confirmed that account status and reporting was reported solely by the company XXXX due to CRA 's unable to report or reflect anything different than what is reported by an " assumed '' creditor. As it stands as of XX/XX/XXXX Experian and XXXX both have confirmed that XXXX  account status has been in " Dispute '' and is NOT completed or CLOSED as stated by XXXX representative in a response on XX/XX/XXXX to the XXXX. Complaint # XXXX. This was also relayed to XXXX representative in a phone call made prior to response of complaint. Experian and XXXX both have found inaccuracies with XXXX XXXX reporting agencied and are taking proper actions to address my concerns as well as taking measures to protect unlawful credit reporting acts. XXXX claims that they have sent completed requested information via certified mail and this is false. I was not supplied with validity of account information nor sent any requested transcripts of communications particularly for damage claim incident as well as none of the requested information XXXX of XXXX when payment request were asked to place certain payments directly to principle balance. I have also sent documentation of XXXX response to Experian and XXXX to show that XXXX is aware and have confirmed that there are inaccuracies and errors that are being shown on their reports. Although XXXX is not accepting responsibility for these reporting errors and seemingly stating that the CRA 's are reporting inaccuracies themselves, they are being made aware that the information supplied or reported is incorrect accordingly. XXXX can not be reporting correctly ( administratively ) as stated by representative if both CRA 's are confirming these reports.

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