Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: TX
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:
I would like to file a complaint regarding an account Experian and XXXX are reporting. I have requested information, multiple times, from Experian, XXXX and XXXX XXXX to validate the accuracy of the account XXXX XXXX XXXX ( Account # XXXX ) is reporting, however, Experian and XXXX continue to verify the account information is correct and completely disregard my investigation requests. XXXX initially sent a letter on XXXX ( included ) stating they could not substantiate the allegations in my dispute? ( My dispute was simply a request to provide the information being used to report the accuracy of this account. On XXXX, XXXX sent a packet addressed to myself, the first page contained my information and stating XXXX enclosed documentation concerning your account in response to your dispute or request for validation of this debt. Again, the first page did contain my demographics, however, the remainder of the packet was personal information belonging to TWO other people in a completely different state 1,103 miles from me. The packet contains this consumers protected personal information such as hid drivers license, social security number, banking information, title to his vehicle, contract and more. Not only did the packet provide this mans information, it provided all of the same protected personal information of the contract co-signer. Besides the packet information unrelated to myself, XXXX did not provide any information to substantiate the account information they are reporting. I notified Experian and XXXX of the failure to provide information as well as the breach of these two consumers personal information that was provided ; XXXX did not respond to my request for information and Experian completely ignored the request, verified the account as accurate and updated the account to a newly reported past due amount, see attachments. After notifying XXXX XXXX of the information they provided, XXXX XXXX sent me a letter, though nice in nature, to assure me that my personal information was not disclosed to someone else that may have requested their information. In addition, requesting that I respect the privacy of the other consumers??? I am the person that reported the incident, clearly I respect their privacy. Even when our consumer protectors at XXXX and Experian can not be bothered. Four months later, no information has been provided to me by XXXX, Experian OR XXXX XXXX ; the account is STILL reported with inaccurate and UNVERIFIED information and XXXX is reporting the account under an abbreviated collector name with no reference to the original creditor. Is this to make the one account appear as two separate accounts? Because that is exactly how it appears. Experian is reporting the date of last activity as almost TWO YEARS LATER. XXXX is reporting this account as 120 DAYS LATE. Can an account be 120 Days Late for a year and a half and then okay? That doesnt seem accurate, or verifiable. This account needs to be deleted for inaccurate reporting, failure to ACCURATE VERIFY the account, unable to provide proof of the account, breach of multiple consumers information, ignoring request for investigation and continuing to report this account after receiving multiple notifications of the errors. This is absurd and is damaging 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 non-monetary relief