Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: GA
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:
It is disgusting that I have to continue to submit complaints through the CFPB regarding the negligence of EXPERIAN. They claim to offer great service but it is far from great. They not only prolong the dispute process but also decide to out-right LIE about their finding. I complained before about the status of an account from XXXX # XXXX and the misinformation that was on my credit file not only by mail in XXXX of last year XXXX. But also in the CFPB complaint number XXXX in XX/XX/XXXX. I have been informing them REPEDIATELY that the information they are logging has been inaccurate. The response EXPERIAN continues to claim is that they reached out to XXXX and XXXX told them that the information being reported is true. This is a LIE. This claim was blatantly debunked in the last complaint I filed in the CFPB under complaint number XXXX, in this complaint, I submit the receipts of payments made to XXXX, the final payment being XX/XX/XXXX. I also included the emails sent from XXXX to me about this account. Instead of Experian actually trying to verify any information, they decide to continue to state that the information is being reported correctly. THIS IS FALSE. There is no payment receipt for XX/XX/XXXX because there was no payment made in XX/XX/XXXX. Being that there wasn't a payment made in XX/XX/XXXX then there is NO WAY that I was 30 days late on a XXXX payment because there was NEVER a payment made. What is even MORE DISGUSTING FROM EXPERIAN is not only do they stand by submitting lies and negligence they have allowed this account to be on my report twice. Once with the false information, and another with correct information. I will be attaching the most recent credit report that will show this account One stating that I paid all the way through XX/XX/XXXX which is completely false, and one that states I Paid XXXX XXXX XXXX and XXXX, Which is accurate! This also can be verified with the receipts that I included with the last complaint and will include with this complaint as well. What is more infuriating is when Experian requests me to submit any other documentation to support my claim. What else can be submitted other that the actual receipts from XXXX and email correspondence from XXXX? I am practically doing Experian 's job by submitting verified information from the consumer and the vendor/debtor. In previous complaints I tried to shield this process from the public because I had respect for Experian but they have thrown all-of-that out of the window because instead of them acknowledging that they made a mistake they double down on malpractice. For this reason I am making this complaint PUBLIC so others can learn from this experience and not allow EXPERIAN or any other reporting agency abuse them. Being that I've done extensive work with XXXX they are ALSO trying to resolve this matter as well. I will be including their response showing that XXXX is trying to get this false information off my report. At the same time I am requesting EXPERIAN to send me the information that they looked at and verified and show me that XXXX reported that I made a payments from XX/XX/XXXX all the way through XX/XX/XXXX. There shouldn't be a problem with them sending this information which is fully in my rights to request. Especially when they have had over 250 days to do a job that they claim to have done. I want to see the proof that they have fabricated. I believe it is more than fair to request when I am resubmitting the receipts that I have as well as the response from XXXX. This is a two fold complaint and request where I am asking EXPERIAN to do their JOB and show me the information that was submitted to them about my payment history and delete this false account off my report. Once they get the payment history which will also be included with this complaint and they can get from XXXX directly. Also to inspire anyone else that is dealing with anything similar to not allow this Bureau to take advantage of them and keep false information on their credit and devalue their creditworthiness.

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