Consumer complaint received 2021-05-14
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:
XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXXXXXX XXXX, TX XXXX XXXX, XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re- investigated. 
Creditor : XXXX # XXXX The payment status shows included in bankruptcy XXXX, XXXX, or XXXX which is inaccurate. Status update shows XXXX XXXX which is inaccurate since the account was updated as a result of the previous investigation. The payment history shows a negative status for the month of XXXX which is inaccurate since this account was not late in XXXX. They are also reporting inaccurately that this account was paid in full XX/XX/XXXX. 
Creditor : XXXX. # The payment status shows included in bankruptcy XXXX, or XXXX which is inaccurate. The bankruptcy shows date of XXXX XXXX which is after the negative recorded in XXXX XXXX so the status would show XXXX XXXX not XXXX XXXX and further more since this account was updated per their last investigation the status should show XXXX. They are also reporting inaccurately that this account was paid in full XX/XX/XXXX. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely, XXXX XXXX XXXX The request in this letter were ignored! I never received an updated copy of my report and XXXXXXXX XXXX a creditor never received a update copy of my credit report.

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