Consumer complaint received 2018-10-17
Company: Experian Information Solutions Inc.
State: CA
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 submitted a dispute regarding which I thought XXXX  XXXX was reporting the wrong First Reported Date which should be XX/XX/XXXX. It was showing XX/XX/XXXX. The dispute results were emailed to me by Experian which XXXX XXXX reported Before : XX/XX/XXXX and and After : XX/XX/XXXX when reviewed results but Experian didn't change the date. 

I called and spoke with a representative to see if the date was changed and she told me no it was still XX/XX/XXXX even after I talked to her about what XXXX XXXX reported. I asked her to send me a new report. 

I received the credit report today dated XX/XX/XXXX and now it's reporting XX/XX/XXXX for First Reported Date without any dispute or change. 

I received a credit report from Experian dated XX/XX/XXXX, which were Dispute Results. I didn't realize until today XX/XX/XXXX that Experian had put somebody else 's information on my report which is probably the XX/XX/XXXX date. They disputed my account and the other persons account that didn't belong on my credit report. 

I called Experian and was transferred to someone else in another department. I told her about the problem and she was unable to look up the dispute results dated XX/XX/XXXX. She told that the current report is correct. 

Someone went into my free membership because of my phone call XX/XX/XXXX and changed the information which no longer showed XXXX XXXX 's response. When I go in to review the report dated XX/XX/XXXX it now shows it was generated XX/XX/XXXX. 

Please explain to me on Dispute Results dated XX/XX/XXXX and I click on View Report and it goes to a XXXX XXXX Dispute. I know why, because someone changed the Dispute Results on XX/XX/XXXX. 

Experian keeps telling me they update 3 times a day. On my student loan they told me it takes 30-45 days to report. Now I have to dispute it each month to get the correct amount. 

Not only have I had ongoing problems with Experian reporting correctly, my son had to file a report where the amount was incorrect and he went to dispute it and it showed the correct amount that was reported by the other two credit bureaus. 

Please explain to me how a dispute that you didn't change the date for XXXX XXXX on XX/XX/XXXX which shows XX/XX/XXXX and then changes to XX/XX/XXXX on XX/XX/XXXX with no dispute. You are randomly changing credit report information which is illegal. 

One of your reps told me it doesn't matter what Date it was First Reported. Well it matters to me. 

I want my credit report First Reported date put back to XX/XX/XXXX, for XXXX  XXXX or I'm going to the Federal Trade Commission. 

I am tired of you inability to report information correctly and in a timely manner. I shouldn't have to dispute anything if you did your job correctly. 

Your customer service reps try to explain things away so you won't do anything or try and give you an excuse. They just don't care. 

I'm uploading some information to show how your employees change information when you try talking to them to try and fix it which they don't want to. I am uploading Dispute Result information from XXXX dated XX/XX/XXXX that the date was never changed to show what your company is doing to people.

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