Consumer complaint received 2020-07-03
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 Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$590.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$590.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Account previously in dispute - Now resolved by data furnisher XXXX XXXX XXXX   XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$200.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late XX/XX/XXXX Remarks Charged off account Account closed by credit grantor Account previously in dispute - Now resolved by data furnishe Last Reported XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Credit Card Account Status Closed Opened DateXX/XX/2017 Closed Date -- Limit {$2600.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$2200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$22.00} XX/XX/XXXX Creditor Name XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/2017 Closed Date XX/XX/XXXX Limit {$2000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1600.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/2018 Closed Date -- Limit {$4000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$4100.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Creditor Name XXXX XXXX  XXXX XXXX Account Type Credit Card Account Status Open Opened Date XX/XX/2017 Closed Date -- Limit {$300.00} Term -- Monthly Payment {$43.00} Responsibility Individual Account. 
Balance XX/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 {$190.00} High Balance {$170.00} Remarks -- XXXX XXXX XXXX {$2200.00} 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 {$2200.00} High Balance {$2200.00} Remarks Consumer disputes this account information Collection account all ftc violations that were filed 45 days ago

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