Consumer complaint received 2020-09-04
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: 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. Both the dates under the DOLA and the DOLP are not consisten on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. How is it possible that high credit or original amount is being reported inaccurately on my 3B reports when this is from one and the same creditor? There even is a bureau reporting the high credit for this account as {$0.00}. How did that happen if you were verifying information before posting? 
XXXX Account Number : XXXX Delete this inaccurate account immediately.

3. How can there be a past due on this charge off account? 
XXXX XXXX Account Number : XXXX Delete this inaccurate account. 
4. The dates last active do not match on my XXXX XXXX   and and Experian reports. 
USDOE/XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Why am I looking at a balance amount of {$8800.00} for this particular charged off account? It should not carry any balance at all. Additionally, the high credit amount is inconsistently reported ; different amounts for each report. It is not making any sense! 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report right away! 
6. All information must be accurate, verifiable and consistent to all 3 credit bureaus. So, how come that there are no closing dates on my  2 other credit bureau reports ; only 1 bureau reports a closing date for this charged off account. Why is that?

US DEPT ED Account Number : XXXX Please investigate and delete this from my credit file. 
7. THIS IS A DUPLICATE ACCOUNT.

US DEPT ED Account Number : XXXX DELETE THIS DUPLICATE ACCOUNT. 
8. How can there be a past due on this charge off account? 
XXXX XXXX Account Number : XXXX Delete this inaccurate account. 
9. This account should not state 120 days late because it is a collection account.. There should be no balance associated with it. 
XXXX Account Number : XXXX Remove for FCRA violation. 
10. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION.

11. How is it possible that this collection account has a balance amount of {$1900.00} when it should be listed as XXXX balance? Was there ever a validation done on this account? It does not feel like so. 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

FOR Experian 1. Both the dates under the DOLA and the DOLP are not consisten on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. How is it possible that high credit or original amount is being reported inaccurately on my 3B reports when this is from one and the same creditor? There even is a bureau reporting the high credit for this account as {$0.00}. How did that happen if you were verifying information before posting? 
XXXX Account Number : XXXX Delete this inaccurate account immediately. 
3. How can there be a past due on this charge off account? 
XXXX XXXX Account Number : XXXX Delete this inaccurate account. 
4. The dates last active do not match on my XXXX  XXXX   and and Experian reports. 
USDOE/XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. All information must be accurate, verifiable and consistent to all 3 credit bureaus. So, how come that there are no closing dates on my 2 other credit bureau reports ; only 1 bureau reports a closing date for this charged off account. Why is that?

US DEPT ED Account Number : XXXX Please investigate and delete this from my credit file. 
6. THIS IS A DUPLICATE ACCOUNT.

US DEPT ED Account Number : XXXX DELETE THIS DUPLICATE ACCOUNT. 
7. How can there be a past due on this charge off account? 
XXXX XXXX Account Number : XXXX Delete this inaccurate account. 
8. This account should not state 120 days late because it is a collection account.. There should be no balance associated with it. 
XXXX XXXX  Account Number : XXXX Remove for FCRA violation. 
9. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION. 
10. How is it possible that this collection account has a balance amount of {$1900.00} when it should be listed as XXXX balance? Was there ever a validation done on this account? It does not feel like so. 
XXXX  XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 

FOR XXXX 1. Both the dates under the DOLA and the DOLP are not consisten on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

2. How is it possible that high credit or original amount is being reported inaccurately on my 3B reports when this is from one and the same creditor? There even is a bureau reporting the high credit for this account as {$0.00}. How did that happen if you were verifying information before posting? 
XXXX Account Number : XXXX Delete this inaccurate account immediately. 
3. How can there be a past due on this charge off account? 
XXXX XXXX Account Number : XXXX Delete this inaccurate account. 
4. The dates last active do not match on my XXXX  XXXX   and and Experian reports.

USDOE/XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Why am I looking at a balance amount of {$8800.00} for this particular charged off account? It should not carry any balance at all. Additionally, the high credit amount is inconsistently reported ; different amounts for each report. It is not making any sense! 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report right away! 
6. TAll information must be accurate, verifiable and consistent to all 3 credit bureaus. So, how come that there are no closing dates on my 2 other credit bureau reports ; only 1 bureau reports a closing date for this charged off account. Why is that?

US DEPT ED Account Number : XXXX Please investigate and delete this from my credit file. 
7. THIS IS A DUPLICATE ACCOUNT. 
US DEPT ED Account Number : XXXX DELETE THIS DUPLICATE ACCOUNT. 
8. How can there be a past due on this charge off account? 
XXXX XXXX Account Number : XXXX Delete this inaccurate account. 
XXXX. This account should not state 120 days late because it is a collection account.. There should be no balance associated with it. 
XXXX XXXX  Account Number : XXXX Remove for FCRA violation. 
10. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION.

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