Consumer complaint received 2020-06-27
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 82 Months Monthly Payment -- Responsibility Joint Account Balance {$11000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$11000.00} Times 30/60/90 Days Late XX/XX/XXXX Remarks Consumer disputes - reinvestigation in progress Charged off account Payment History Latest Status : Collection/Charge-Off XX/XX/XXXX CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO U U CO U U XXXX 30 30 30 30 30 30 OK OK 30 30 60 RF XX/XX/XXXX OK  OK OK OK 30 30 30 OK U U 30 30 XX/XX/XXXX U U U U U OK OK OK OK OK OK OK XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U U U U U U U U J F M A M J J A S O N D CO Collection/Charge-Off U Unknown 30 30-59 Days Late 60 60-89 Days Late RF Repossession/Foreclosure XXXX XXXX XXXX {$5400.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 62 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$5400.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5400.00} Times 30/60/90 Days Late 0/0/29 Remarks Consumer disputes - reinvestigation in progress Charged off account Fixed rate Payment History Latest Status : Collection/Charge-Off XX/XX/XXXX CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX U U U U U U U U U U CO CO XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U U U U U U U U J F M A M J J A S O N D CO Collection/Charge-Off U Unknown JXX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$54.00} High Balance {$54.00} Remarks Consumer disputes this account information Medical XXXX XXXX XXXX {$780.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$780.00} High Balance {$780.00} Remarks Consumer disputes this account information Collection account alll ftc filed Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type FHA Real Estate Mortgage Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 360 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$0.00} Payment Status Current Worst Payment Status 120-149 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX   Times 30/60/90 Days Late XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX   XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$780.00} High Balance {$780.00} Remarks Account information disputed by consumer, meets FCRA requiremen all ftc violations

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