Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: PA
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. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX  XXXX/XXXX  Account Number : XXXX Delete this account IMMEDIATELY! 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX  Account Number : XXXX Delete this! 
3. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account for reporting inaccurate information. 


FOR Experian Here are the accounts that are reporting inaccurately : 1. There are multiple inaccuracies in this charged-off account. The high credit amount is inconsistent on my three bureau reports ; one bureau even has this amount as {$0.00}. There should be no past due not balance amounts associated with it but it shows {$320.00} as balance and as a past due amount. All these discrepancies make this account look totally unverified and incorrect. 
XXXX XXXX  XXXX/XXXX  Account Number : XXXX Delete this account IMMEDIATELY! 
2. This is a collection account so there should be no balance associated with it at all. How come this particular account shows a balance in the amounts which are by the way different for each bureau reports? It is no making any sense. 
XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
3. Why are the dates of last activity for this account do not match on my XXXX  XXXX  and Experian reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT ACCOUNT. 

FOR XXXX  1. How was this particular account got validated? I reached out to the collection company to legally verify this account but I never heard back from them. 
XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report if you are unable to supply me verifiable proof. 
2. Why are the dates of last activity for this account do not match on my XXXX  XXXX  and Experian reports? All information must be consistent on all three bureau reports as per FCRA. 
XXXX Account Number : XXXX DELETE THIS UNVERIFIED AND INCONSISTENT 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