Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX, XXXX : I generated a correspondence dispute through the mail with Experian XXXX the discrepancy on my credit report by my mortgage servicer XXXX XXXX As of today ( XX/XX/XXXX ) I haven't received any response from them. 
XXXX XXXX, XXXX : I generated an online dispute regarding XXXX XXXX my mortgage servicer, because during my COVID-19 Forbearance ( XX/XX/XXXX to XX/XX/XXXX ), they were reporting increases on my balance. The original balance of {$340000.00} reflected on XX/XX/XXXX ; {$340000.00} reflected on XX/XX/XXXX ; {$340000.00} reflected on XX/XX/XXXX ; and {$340000.00} reflected on XX/XX/XXXX. Dispute result : Remains! XXXX XXXX, XXXX : I called Experian and spoke on a recorded line with a representative regarding my dispute at hand. She stated that the dispute is in process and that there will be a result when the investigation is completed. After elaborating on the process and letting her know that I wanted to add a statement to my report " Payments were made in compliance with the negotiated schedule, '' she then transferred me to a supervisor for clarification of the process. The supervisor shared a more detailed aspect of the process. But one comment that resonated with me during our conversation was regarding the dispute investigation and the part that they ( Experian ) proceed with handling it. She stated that ... ..after the consumer files a dispute, with or without supporting documents, it's then forwarded to the creditor ( XXXX ). The creditor ( XXXX ) goes through the process of looking into the matter and then reports to them ( Experian ) if the dispute needs an update or not. The creditor ( XXXX ) DOES NOT have to furnish any proof to them ( Experian ) regarding the dispute. They ( Experian ) just relies on what the creditor ( XXXX ) reports and that closes the dispute out. Experian DOES NOT investigate the dispute in any way ... ...????? I couldn't respond to this comment. So I just got off the phone in great awe. XXXX XXXX XXXX : I generated another online dispute regarding XXXX XXXX again, for the same reason. End result : Update! I wasn't sure what got updated. The " before '' and " after '' results looked the same. These two disputes filed online didn't even address the inaccurate information that I was talking about. After reviewing the Fair Credit Reporting Act ( FCRA ), I realized that the information provided contradicted with what the supervisor had mentioned on XX/XX/XXXX, over the phone. *****I have the right to dispute incomplete or inaccurate information. And, if I were to identify information in my file that is incomplete or inaccurate, and I report it to the consumer reporting agency, the agency MUST INVESTIGATE unless my dispute is frivolous. This dispute is far from frivolous! Also, consumer reporting agencies MUST correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information MUST be REMOVED or CORRECTED, usually within 30 days. ***** I didn't even get this opportunity as a consumer, let alone a Veteran who diligently served this country. I have been ostracized and stripped of my rights, right in my face. The fair and accuracy process has failed me greatly. I've enclosed a copy of the " Verification of Mortgage '' generated as of XX/XX/XXXX and forwarded by XXXX. Also, a recent copy of my Experian credit report, generated on XX/XX/XXXX, which still reflects the reported balance of {$340000.00} updated on XX/XX/XXXX. Again, the balance should reflect {$340000.00}, as stated in the " Verification of Mortgage. '' The proof of the discrepancy is noted. I'm not sure what else is needed to make these appropriate changes, but I'm encountering great lengths of discrimination and XXXX in this space. Experian continues to turn a deaf ear to my dispute and violate the Fair Credit Reporting Act ( FCRA ). Therefore, I'm pursuing this complaint, and taking the proper steps necessary to move forward. Thank you!

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