Consumer complaint received 2020-01-11
Company: Experian Information Solutions Inc.
State: IL
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:
Hello I am filing a complaint against the three credit Bureau 's Experian, XXXX  and XXXX. I have disputed 3-5 times by certified mail and they are in violation. I reported the first complaint to you all for the delinquent XXXX XXXX XXXX charge off account that is showing on my credit report. The company has made no offer to remove the account nor correct the mistakes. The credit bureaus are in violation of Section 609, Section 603 and Section 611.

They first violation of the credit bureaus is not opening an independent investigation while they continually furnish inaccurate reporting on my credit report after Ive notified them of the errors, they continually report this delinquent account on my credit report. Secondly, the credit bureaus are reporting an account as active when it was voluntarily closed by the creditor XXXX  XXXX XXXX in XXXX and they reported the account 30 days past late which was never late. Another violation is the credit bureaus have never updated for date of last status to show they tried to investigate this account which is a violation of the FCRA. 
Additionally, all of the credit bureaus have used stall tactics such as asking for verification for documents after I have provided them with my license, social security card and utility bill ( Experian ). Experian have failed to conduct a reasonable investigation of my dispute because they are stating they havent received verification of documents. XXXX  stated the account was unspecified and stated they conducted a investigation but never stated if it was even verified and it also never proceeded to investigate independent or internally. And XXXX has not responded or sent dispute results at all to my address. 
correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute. I disputed this account for simple reasons such as that the date of last activity is showing three different dates XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and Experian XX/XX/XXXX. How is that possible if this is suppose to be the same account and my report is supposed to be verified as accurate and reflect the most current data. It needs to be removed for inaccuracy and FCRA Non-Compliance of inaccurate data furnish on my credit report.

Also the creditor closed the account and still has been reporting this account as active in the payment history. in Experian and XXXX, which is a violation according to the FCRA. I have disputed this account 3 times to the three credit bureaus and Experian stated the account was verified the first time, the second time I asked them for verification and noted to them the violations that occurred on my credit report with factual information and they asked for verification. Then I provided verification and sent a dispute and they still asked for verification stating it was not legible, which I don't understand because I have provided this information twice. 
XXXX  have failed to send any dispute results, no notice that I disputed to the debt to the creditor. I have certified mail receipts results to show proof. I sent three certified mail disputes and they still have yet to respond. 
XXXX  stated the account was verified the first time, the second time I asked them for verification and noted to them the violations that occurred and they asked for verification. Then I provided verification and sent a dispute and they stated the dispute was never unspecified. I provided proof of what was stated below. 



Also when I made a complaint against XXXX  XXXX XXXX stated they in fact did close this account voluntarily in XXXX and reported it as late the same month, which doesnt make sense because there was never any proof of late payments. 
Furthermore, they stated they don't have an signed contract or proof that this is even my account because a signature was not required, which doesn't make sense because anytime someone opens a credit card there needs to be a application on file. if that is the case then anybody can apply for a credit card using someone's personal information. I requested proof of an application but according to XXXX  XXXX XXXX there isn't any application with my official wet inked signature. They even stated that a signature is not even required which is very negligent on the lender 's behalf and not safe. Furthermore, they stated the account was opened on XX/XX/XXXX but according to my credit report its shows two different dates which doesn't make sense because if this account is supposed to be the most current like XXXX  XXXX XXXX states them why is XXXX  reporting it open on XX/XX/XXXX, Experian reporting it open on XX/XX/XXXX and XXXX  reporting it on XX/XX/XXXX, please see credit report to see the same inaccuracies I am seeing. Furthermore, they closed the account the same day they reported it late which is a violation. An account has to be thirty days for it to be reported late. I have provided verification and evidence of documents for all three credit bureaus and XXXX   XXXX XXXX. As well as my personal identification social and driver license, proof of certified mail receipts, proof of stall tactics such as additional info Experian stated they need, results etc.

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