Consumer complaint received 2020-02-18
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:
To Whom It May Concern, I am reaching out for help on getting my credit report corrected. I have pulled my credit report, and I have noticed errors in my report so I have reached out to the creditors and Experian to get this issue corrected. I have been very specific on my reasons for the dispute, and I have even provided proof of the inaccuracies and violations. This has changed nothing. 

This XXXX account # XXXX shows that it has several late payments and it has been charged off which doesnt make sense to me to see late payments reflecting on my credit. I am seeing a lot of conflicting information on things not matching on either of my reports which prevents me from fully investigating this on my end. Please see the information below on the discrepancies that I see : 1. Account Name 2. Account Number 3. High Balance 4. Late Payments Reported for Past Due Days XXXX XXXX account # XXXX and say that is has been verified to remain but I never received the information I asked for originally. Wheres the original contract with my signature or any proof that you have verified this account? How can you possibly say that the creditor has verified this account when I called them on Wednesday, XX/XX/XXXX and spoke with a few reps to verify myself if they have seen any information on being contacted by you for verification by the following reps : XXXX, XXXX, and later on I spoke to a rep by the name of XXXX to check on things myself to try to get information on how you verified this account. I was told that they were NEVER contacted by your organization and that they didnt provide any information to you to verify. 

XXXX  XXXX account # XXXX as showing late payments when I have never ever been late on this account. I have provided you proof on all of my credit reports showing that the late payments do not match which is a violation under the FCRA. I have even checked my bank statements that go back to the original date that this account was opened and I am seeing that this account was paid on time each month up until this very day. In XXXX, Hurricane Dorian was a category 5 scheduled to hit XXXX, FL so me and my family evacuated. I immediately called XXXX XXXX and they set me up to not be late during this time and said to allow for me to have time to recuperate that they have updated my account as being in the disaster zone to not receive late fees and also for this not to report as late on my credit for XX/XX/XXXX and for XX/XX/XXXX. 

XX/XX/XXXX 30 Days Not Valid - Please provide proof like bank transactions and not a statement XX/XX/XXXX 60 Days Not Valid - Please provide proof like bank transactions and not a statement XX/XX/XXXX 90 Days Not Valid - Please provide proof like bank transactions and not a statement XX/XX/XXXX 120 Days Not Valid - Please provide proof like bank transactions and not a statement XX/XX/XXXX 120 Days Not Valid - Please provide proof like bank transactions and not a statement XX/XX/XXXX 120 Days Not Valid - Please provide proof like bank transactions and not a statement XX/XX/XXXX 120 Days Not Valid - Please provide proof like bank transactions and not a statement XX/XX/XXXX 30 Days Not Valid - Please provide proof like bank transactions and not a statement I have asked for them to remove all of the late payments from this account and update my credit report immediately. If not, I have asked for them to provide proof that I was ever late on this account by showing documentation such as bank and transaction payments proving that I have not paid for me to match with my records because I was never late. 

I have performed my own investigation and the results on my end do not match what should be on my credit report. 

I have proof that these accounts that I have disputed have been removed off of my XXXX  credit report because it could not be verified. This is what makes me file the complaint because if XXXX verified that the information can not be verified, who did Experian verify this information with and how did they verify anything on their end? 

1st Dispute resulted in the following : Experian Report # XXXX for XX/XX/XXXX This is when I initially saw the discrepancies and reported it. 

2nd Dispute resulted in the following : Experian Report # XXXX for XX/XX/XXXX This dispute was me letting the credit bureau know that I am not seeing any proof provided based on the information that I have requested which is documentation showing proof of the verification that was performed along with documentation supporting their claims. I requested documentation showing my signature. 

3rd Dispute resulted in the following : Experian Report # XXXX for XX/XX/XXXX I have requested the same information as before which was proof of the verification provided, who was contacted, how was it verified, and proof of documentation showing my signature. Experian has failed to provide me with this requested information. 

4th Dispute resulted in the following : Experian Report # XXXX for XX/XX/XXXX I no longer requested the information but this time I have demanded this information because I felt like I was being ignored and not heard. This leads me to believe that a human is not even investigating my information. They send me a letter letting me know that they will no longer investigate this matter nor will they reinvestigate it or unless I can provide them with additional information which I have provided them with all of the information needed. 

I have provided them with my credit reports, comparisons to see the results, making any and all discrepancies known, highlighted key information, and I even showed proof of my results from the other credit bureaus with it being made known that the information could not be verified so it was deleted off of my reports. 

I will attach all of the proof of everything needed to this complaint because this is not fair and it is hindering me from getting credit. 

Regards, 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