Consumer complaint received 2022-01-19
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:
On XX/XX/XXXX, I first started disputing several accounts including both XXXX XXXX XXXX accounts report number XXXX on Experian Website ( Online ) at the beginning of the year and, the completion of the dispute resulted in the accounts remained on my Credit Report. Again, XXXX, XXXX, I disputed one of the two SAME accounts, and how ironic the SAME REPORT NUMBER XXXX and the results were the UPDATED, and remained on my Credit Report. XX/XX/XXXX, I disputed several accounts including the SAME TWO XXXX XXXX  but, this time DIRECTLY WITH THE CREDITORS by sending Validation letters which was delivered and signed for on XX/XX/XXXX and the creditor NEVER RESPONDED back to my letter which VIOLATES THE FDCPA, Disclosure Verification Of Debt. On XX/XX/XXXX, I sent Eastern Account System a DEFAULT letter that was delivered and signed for on XX/XX/XXXX, since then the Creditors have continued to report the debt to the three credit Credit Reporting Agencies without letting any of the them know the accounts were being disputed. Since I first disputed the accounts on my Creditor Report, Experian has kept the phrase Consumer disputes account FCRA on my credit report. On XX/XX/XXXX. I disputed SEVERAL ACCOUNTS with Experian with supporting documents including my three credit reports, my XXXX investigation results showing the accounts that were DELETED, XXXX XXXX Experian/ XXXX Credit Report XXXX XXXX XXXX XXXX first Validation letter and default letter, dated mail receipt, my driver license and a copy of a bill, which was delivered and signed for on XXXX XXXX, AND, REQUESTED my file disclosure from Experian for Diversified Adjustment Account that was delivered and signed for on XX/XX/XXXX. I got a text alert on XX/XX/XXXX that a dispute was opened AND, so fast the dispute were completed on XX/XX/XXXX, Report Number XXXX BEFORE 30 DAYS the time allowed to ACCURATELY VALIDATE/ VERIFY THE DEBT. It resulted in both Eastern Accounts, XXXX Account remained, XXXX XXXX  was updated, ( balance was changed from {$660.00} to {$660.00} ), in which how can the Creditor add a dollar amount on to the existing debt that they are presuing and, XXXX account was removed from on my Credit Report. 

On XX/XX/XXXX, I checked my Credit Report and didnt see any changes so I gave them a call to see if my dispute had been reviewed and spoke to a representative name XXXX. I asked XXXX had my disputes been reviewed and she put me on hold, came back and said yes she has them. I asked XXXX did she noticed the sticky notes and the hight lighted inaccuracies that Im disputing, she said yes as I was explaining to her about these two accounts in particular. I asked XXXX did she see where on my Experian Credit Report the creditor contact has a different contact from my oother credit reports, the account number shows zeros as my other reports shows numbers for the account number, I ask XXXX did she notice that the creditor reported to XXXX the XXXX Account thats CLOSED as a OPENED ACCOUNT with a CLOSED DATE XX/XX/XXXX BUT, on my XXXX XXXX XXXX Credit Report it shows a CLOSED DATE of XX/XX/XXXX and that is INACCURATE REPORTING on my Credit Report that violates the FDCPA. I even asked XXXX did she see on my XXXX Credit Report the two accounts shows the exact same opened date, the pened account shows the last date of payment and the CLOSED ACCOUNT does not, she said yes I do, I asked XXXX did she see on my XXXX Credit Report the First Date Of Delinquency was 20 days apart between the two accounts, as I asked her did she see the inconsistency and she said she did as I was pointing them out to her. I told her I hight lighted the inaccuracies so it would be easy to point out. I also asked her did she see my XXXX Investigation results that I included with my dispute letter that shows which accounts I disputed on XXXX Credit Report and were DELETED she said she sees the XXXX Results and looking through it as we speak. I then told her how can the same accounts that is being reported to all three bureaus be DELETED from one bureau but, reporting to the other bureaus and, how can a Creditor report different information from one bureau to another, ALL BUREAUS THAT THE CREDITOR ARE REPORTING INFORMATION TO MUST BE THE SAME and how that VIOLATES THE FDCPA and not FAIR TO ME. I then asked her has my File Disclosure letter been reviewed yet that it shows it was delivered on yesterday ( XXXX ) she said she didnt see that one as of yet being it was just delivered. I then ask her HOW CAN Experian VERIFY A RE-AGED ACCOUNT AND REPORTING IT TO MY CREDIT REPORT. XXXX didnt have anything to say at the moment so I told her that my second letter that was just delivered, Im requesting the File Disclosure for one of the accounts because thats illegal to be reporting a REAGE ACCOUNT and, I would just wait until they get a chance to send it to me. After going though my inaccurate credit report with XXXX, she told me to give it a few days for the deletion and check my report in a few days. I got a text alert after my phone call was finished with XXXX, that a several disputes was opened XX/XX/XXXX Report Number XXXX and some results were completed the same day Report Number XXXX, AND disputes were completed on XX/XX/XXXX, BEFORE 30 DAYS time allowed to ACCURATELY VALIDATE/ VERIFY THE DEBT checked my Credit Report to see XXXX XXXX ( both accounts ), XXXX remained, XXXXXXXX XXXX was updated, XXXX account removed from on my credit report. XXXX, DID NOT TELL ME SHE WAS OPENING A DISPUTE, and the fact that EXPERIAN RECEIVED MY DISPUTE BY MAIL AND, XXXX WENT OVER THE INACCURACIES with me was A WASTE OF MY TIME, POSTAGE, AND MY MONEY. On the other hand, Experian website DOES NOT MENTION CONSUMER HAS AN OPTION TO MAIL IN THEIR DISPUTES WITH SUPPORTING DOCUMENTS SO A DISPUTE CAN BE OPENED. CFPB Website states, IF A CREDITOR CAN NOT VERIFY THE DEBT WITHIN 30 DAYS, THE ACCOUNT MUST BE REMOVED, IT DOES NOT SAY GIVE THE CREDITORS MORE THAN 30 DAYS OR GIVE THEM 30 DAYS TWO, THREE AND FOUR TIMES AND, IN MY CASE NEVER RESPONDED TO THE VALIDATION LETTER. IN ADDITION TO, the fact that these INACCURATE ACCOUNTS were disputed through EXPERIAN XXXX machine INSTEAD of actually sending my disputes to the creditor to VERIFY ACCURATE INFO THAT IS BEING FURNISHED BY THE THEM ( Creditor ) when they should have the requested info of debt in there possession / on hand since they alleged I owe the debt AND, this explains why EVERY TIME Ive disputed these two accounts ONLINE they ALWAYS came back VERIFIED AS ACCURATE. As on the CFPB website this is one of consumers complaint as well as mine as this is not the correct way CRAS are to dispute and VERIFY THE ACCURACY AND COMPLETENESS OF AN ACCOUNT that THEY ARE REPORTING ON CONSUMERS CREDIT REPORT. XXXX XXXX is BOGUS, have been reporting separately ( 2 trade lines ) since XXXX - XXXX and being REPORTED INACCURATE AND, as if EXPERIAN has some sort of CONTRACT with THE Creditors that they are REPEATEDLY Reporting INACCURATE/ INCOMPLETE INFORMATION. THIS IS CLEARLY A DEFAMATION OF MY CHARACTER. EXPERIAN has a duty to make sure they are reporting ACCURATE AND COMPLETE INFORMATION ON CUSTOMERS CREDIT REPORT as they website states SUBMIT RELEVANT INFORMATION WHEN DISPUTING ACCOUNTS. I have attached ALL RELEVANT DOCUMENTS THAT WERE MAILED TO EXPERIAN WITH MY DISPUTE LETTER, DOCUMENTS UPLOADED and HIGHLIGHTED WILL SHOW THE INACCURACIES ON MY REPORTS, THE INDIFFERENT INFORMATION THAT IS BEING REPORTED TO MY XXXX, EXPERIAN AND XXXX CREDIT REPORTS, THESE SAME DOCUMENTS, EXPERIAN HAVE RECEIVED AND CONTINUALLY REPORTING TO MY CREDITOR REPORT, THAT VIOLATES THE XXXX, ALSO, THE DOCUMENTS WILL SHOW MY DISPUTES WERE OPENED XXXX XXXX, XXXX AND COMPLETED XXXX XXXX, XX/XX/XXXX AND COMPLETED XXXX XXXX, XXXX ( DISPUTED THROUGH XXXX XXXX  ) THAT CAME BACK ACCURATE/ VERIFIED AND, THAT IS NOT VERIFYING THE DEBT ACCURATE/ COMPLETE ACCORDING TO CFPB RULES. The DOCUMENT WILL SHOW DIVERSIFIED ADJUSTMENT IS A REAGE ACCOUNT SHOWING THE OPEN DATE IS DIFFERENT FROM THE PREVIOUS CREDITOR THAT LAST REPORTED THIS ACCOUNT ( ILLEGAL ) VIOLATES THE XXXX. On the day I spoke with XXXX I mentioned to her I received the alert that my contact info was update and corrected and AGAIN, she opened a dispute for this and have my middle name spelled out on my Credit Report AND, NOT HOW XXXX, the Representative who UPDATED IT previously. The DOCUMENTS WILL ALSO SHOW I DISPUTED THE INCORRECT SPELLING OF NAMES, ADDRESSES AND PHONE NUMBERS. Im asking CFPB to look over these DOCUMENTS AND, HOLD EXPERIAN ACCOUNTABLE FOR VIOLATING FCRA. I will be forwarding this to FTC, XXXX and MY CONGRESS REPRESENTATIVE TO TAKE FURTHER ACTION. IN ADDITION TO, I WILL BE SEEKING LEGAL ACTION IF THESE ACCOUNTS IS NOT REMOVED IMMEDIATELY..

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 non-monetary relief