Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I file a dispute with Experian regarding XXXX XXXX XXXX XXXX and was provided this Report Number : XXXX. Shortly thereafter on XX/XX/XXXX my original dispute Report Number : XXXX was modified and given a new XXXX. No explanation has been provided concerning the original dispute Report Number : XXXX or the modified dispute Report Number : XXXX. Furthermore, the results of dispute provided on XX/XX/XXXX concerning Report Number : XXXX does not indicate or show if information originally disputed on XXXX in regards to Report Number : XXXX were not verified to be accurately reported. There were several changes I noticed regarding few updates on the credit file for XXXX XXXXXXXX XXXX XXXX that are marked with asterisks below before and after the dispute for Report Number XXXX and XXXX. 
Before Dispute : XXXX XXXX XXXX XXXX  Account Name XXXX Account Number Auto Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Account charged off. {$9600.00} written off. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$13000.00} Original Balance {$0.00} Highest Balance 60 Months Terms ***XXXX XXXX ***On Record Until*** {$0.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount After Dispute : XXXX XXXX XXXX   XXXX Account Name XXXX Account Number Auto Loan Account Type Individual Responsibility XX/XX/XXXX Date Opened Account charged off. {$9600.00} written off. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$13000.00} Original Balance {$0.00} Highest Balance 60 Months Terms ***XXXX XXXX ***On Record Until*** {$0.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount There are several of changes that have occured on my Experian credit report provided on XX/XX/XXXX regarding XXXX XXXX XXXX XXXX payment history XXXX I have requested that Experian provide proof of verification of accuracy on the credit report payment history. I was told by several representatives of Experian that payments are verified through an automated system that XXXX XXXX XXXX XXXX updates. The information is then input by Experian. In my oldest credit report I could find with Experian from XX/XX/XXXX payments for the months XXXX, XXXX, XXXX, XXXX, XXXX showed payments as " OK ''. Payments for the month XXXX shows " 60 days late '' and " 30 days late for XXXX, XXXX, XXXX, and XX/XX/XXXX. Also payments in XXXX and XX/XX/XXXX shows " 60 days late ''. However on the latest credit report from Experian on XX/XX/XXXX regarding XXXX XXXX XXXX XXXX payments for the months XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX have all been changed to " Data unavailable-Lender has not provided any information for this month ''. Again when speaking to several representatives of Experian regarding payment verification each regard to the automated system. I then asked could they see the changes on my Experian credit report that had occured from XXXX to most recently XXXX regarding payment history for XXXX XXXX XXXX XXXX each Experian representative was able to see and acknowledge these changes. A few Experian representatives even viewed my credit reports from the prior months of this year XXXX regarding XXXX XXXX XXXX XXXX and see the changes that have occured. When asked who would be responsible for inputting the payment history data on Experian each representative stated we report what XXXX XXXX has input on the Automated system. If this is true why are payments from XXXX suddenly being changed to different payment status. I have asked that Experian DELETE this file and provide proof of there verification on the automated system regarding XXXX XXXX XXXX XXXX. I was told by two Experian representatives that Experian could not DELETE until XX/XX/XXXX as this credit file regarding XXXX XXXX XXXX XXXX is schedule for DELETION and I would just have to deal with it because they will not delete it. Although they can clearly see these changes other representatives said it has to go through a " Dispute Process '' with XXXX XXXX XXXX XXXX. I expressed my problem with that is my Dispute is with Experian and XXXX XXXX XXXX XXXX because the payment history that has been modified and changed occurred from Experian based information provide by XXXX XXXX XXXX XXXX. I requested that Experian and XXXX XXXX XXXX XXXX provide proof that data information concerning payments in XXXX have changed or been modified. Now I am to wait an additional 30 days from my original dispute on XX/XX/XXXX to get the results. But with that data information in front of Experian it is not hard to tell that modification have been made to the payment history in XXXX and therefore should be DELETED. The use of unprofessionalism from some these Experian representatives was very insulting and if I was one with no educational or financial background they would have walked all over me. I felt like I was calling a Collection Agency or Debt Collector. Representatives who work at our three credit bureaus Experian, XXXX and XXXX XXXX need to remain professional at all times and not provide incorrect or false information. Credit is very important to myself and billions of others in the world and should not be taken lightly. So when anyone calls a valid dispute stop putting it back on the Creditor when the Credit Bureaus are able to DELETE items that can be clearly verified right from the data they have on file on credit reports. Also XXXX XXXX XXXX XXXX  and any other financial lending institution needs to ensure that the information reported to the automated system these Credit Bureaus use are 100 % ACCURATE. I have disputes pending with XXXX and XXXX XXXX regarding this same creditor and I await an update.

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