Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: LA
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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. The dates under the last active section do not match at XXXX XXXX  and Experian reports. How is this possible when all information must be accurate, verifiable and consistent to all 3 credit bureau reports? 
US DEPT ED Account Number : XXXX Please investigate and delete this inaccurate and inconsistent account. 
2. Both the dates under the DOLA and the DOLP are not accurate on all 3 credit bureau reports. 
FCRA mandates that this information must be accurate complete and verifiable per the FCRA and the FDCPA. 
DEPTEDNELNET Account Number : XXXX DELETE THIS UNVERIFIED ACCOUNT. 
3. Multiple discrepancies listed under this charged-off account. The high credit is inaccurate and inconsistent on all reports, the dates last active are inaccurately posted. This should also not show any past due nor balance amounts. 
XXXX Account Number : XXXX Delete this account immediately for reporting inaccurate information. 
4. Why is the high balance lower than the balance? It is not making any sense! 
XXXX XXXX Account Number : XXXX Delete this account! 
5. This is a HIPPA Law violation. Medical accounts should not be reported on a consumer report. 
Account Number : XXXX Your agency must provide me with proof that you have my consent to report my medical information in accordance with HIPAA laws. Otherwise, DELETE THIS! 

FOR Experian 1. Both the dates under the DOLA and the DOLP are not accurate on all 3 credit bureau reports. 
FCRA mandates that this information must be accurate complete and verifiable per the FCRA and the FDCPA. 
DEPTEDXXXX Account Number : XXXX DELETE THIS UNVERIFIED ACCOUNT. 
2. Multiple discrepancies listed under this charged-off account. The high credit is inaccurate and inconsistent on all reports, the dates last active are inaccurately posted. This should also not show any past due nor balance amounts. 
XXXX Account Number : XXXX Delete this account immediately for reporting inaccurate information.

3. Why is the high balance lower than the balance? It is not making any sense! 
XXXX XXXX Account Number : XXXX Delete this account! 

FOR XXXX 1. The dates under the last active section do not match at XXXX XXXX and Experian reports. How is this possible when all information must be accurate, verifiable and consistent to all 3 credit bureau reports? 
US DEPT ED Account Number : XXXX Please investigate and delete this inaccurate and inconsistent account. 
2. Both the dates under the DOLA and the DOLP are not accurate on all 3 credit bureau reports. 
FCRA mandates that this information must be accurate complete and verifiable per the FCRA and the FDCPA. 
DEPTEDXXXX Account Number : XXXX DELETE THIS UNVERIFIED ACCOUNT. 
3. Multiple discrepancies listed under this charged-off account. The high credit is inaccurate and inconsistent on all reports, the dates last active are inaccurately posted. This should also not show any past due nor balance amounts. 
XXXX Account Number : XXXX Delete this account immediately for reporting inaccurate information. 
4. Why is the high balance lower than the balance? It is not making any sense! 
XXXX XXXX Account Number : XXXX Delete this account!

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