Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1 ) XXXX or XXXX didn't not provided verification of debt but instead sent me a statement stating XXXX XXXX XXXX provided a statement which do not provide any information that was requested of how they verified this debt. A statement with a balance does not verify what proof do they have that I opened this account in XXXX. According to Section 623 ( a ) ( 8 ) ( D ) The original creditor should provide this information to the new collector. A debt collector can not verify anything only validate and I sent a request for Validation XX/XX/XXXX, and I have not received any verification information that I request. Please delete this as the wrong creditor is reporting this information. Without showing proof of validation within 30 days. 
2 ) This repossession is inaccurate because the repossession is still showing XXXX XXXX XXXX but was transferred or sold, balances on each credit bureau is different XXXX balances states {$19000.00}, XXXX {$12000.00}, open and closed dates are different on each bureau, XXXX Open date shows XX/XX/XXXX XXXX Open date XX/XX/XXXX which is incorrect. Closed date on XXXX showing XX/XX/XXXX, XXXX showing NONE. Last payment showing XX/XX/XXXX XXXX and XXXX showing XX/XX/XXXX. Last reported showing on XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I am requesting that the item be removed. 
3 ) XXXX XXXX showing all inaccuracy information nothing is matching Experian showing closed with balance of {$5700.00} payment of {$110.00} last Pay XX/XX/XXXX last reported XX/XX/XXXX XXXX delinq {$330.00} past due and after several disputes no remarks of my disputes showing. XXXX showing different amount {$5700.00} payment {$110.00} last reported XX/XX/XXXX 60 day delinq Past Due {$220.00} 30 days late with no dispute remarks as well. 
4 ) XXXX XXXX Experian showing closed balance {$880.00} 1 month term last reported XX/XX/XXXX no payments ever made, XXXX showing open {$880.00} term XXXX last report XX/XX/XXXX 120 days late showing payment XX/XX/XXXX XXXX late payments. 
5 ) XXXX XXXX- never showed proof of validation reporting twice as 2 different accounts. 
6 ) XXXX XXXX-never showed proof of validation reporting twice as 2 different accounts. 
7 ) XXXX XXXX-Zero Balance put won't update-experian open date XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX-Paid and full and still have not updated-Experian and XXXX open date XX/XX/XXXX but XXXX shows XX/XX/XXXX XXXX XXXX  showing XXXX delinq while Experian showing XXXX XXXX XXXX Last report date for XXXX 4/1/21'experian showing XX/XX/XXXX 9 ) XXXX-Not late and still showing late payments -XXXX shows last report date XX/XX/XXXX high balance showing {$1100.00} ; Experian shows last report XX/XX/XXXX with incorrect balance {$940.00} 10 ) XXXX-Reported fraud and still have not provided proof but won't update-Differ info all credit reports XXXX showsXXXX but XXXX and experian shows XX/XX/XXXX ; XXXX shows last report date XX/XX/XXXX and last payment XX/XX/XXXX XXXX but XXXX and Experian shows XX/XX/XXXX with no last payment 11 ) XXXX XXXX XXXX-Debt Contract Request I never had a contract with this debt collector for any debt. yet still has not provided any proof of validation 12 ) XXXX XXXX & XXXXI never had a contract with this debt collector for any debt still no validation XXXX showing last payment XX/XX/XXXX, last report XX/XX/XXXX delinq XXXX, with no remarks showing I've disputed this numerous times, experian dates differ last report XX/XX/XXXX with no other dates and no remarks showing I've disputed this numerous times. 
13 ) XXXX XXXX XXXX last payment showing XX/XX/XXXX last report XX/XX/XXXX but closed XX/XX/XXXX Credit Bureau is not properly investigating accounts that are being reported, different last active dates, showing false activity last payment amounts, failing to enter any of my notices of dispute under remarks.

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 non-monetary relief