Consumer complaint received 2017-12-21
Company: Experian Information Solutions Inc.
State: AL
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:
To whom this may concern : I am contacting you for help with a very serious issue pertaining to my credit report. In XXXX XXXX I noticed my accounts with XXXX XXXX XXXX were not reporting accurately on my credit files. I disputed online with Experian on XXXX/XXXX/XXXX outlining these serious errors and waited for a response. After not receiving a response, I then went online to and pulled my credit report and saw that my dispute had been resolved and that my account was unchanged. The funny part is that Experian had verified this account yet no changes were being made. Keep in mind they never responded back to me in regards to my dispute. On XXXX/XXXX/XXXX I made a call to Experian and spoke to XXXX ( XXXX TX team ) I explained the situation to her and asked what method did Experian use to verify my account, as is my right under the FCRA. I also requested that all documents pertaining to this account be mailed to me. She happily informed me that Experian does not nor are they required to investigate anything, which is another violation under the FCRA as credit bureaus are supposed to conduct a reasonable investigation of all disputes. She did not offer any assistance to me. I thought that maybe XXXX was new so I called back and spoke to XXXX ( ID ) XXXX who also told me that they had no documentation on file for this account. Under the provisions of FCRA 611 ( a ) ( 2 )  ( B ), Experian was required to have forwarded all relevant information provided to the creditor for their investigation of my dispute.They refused to do this. I am now questing that this account be deleted immediately because Experian has violated several of my rights under the FCRA Including : -reporting innacurate info -reporting unverified info not responding to my dispute in a timely matter ( 30 days ) Failing to investigate my dispute Not sending requested documents used to verify account Not reporting complete info Failure to provide method of verification Per the FCRA section All innacurate unverified info must be deleted from a credit file. 
Per the FCRA a credit bureau is given 30 days to respond to investigate a dispute after the 30 days of the investigation is still not complete, the account in question must be deleted Per the FCRA credit bureaus have 15 days to respond to method of dispute requests. 
Response to this request is required, under FCRA 611 ( a ) ( 7 ), within 15 days of this request. 
As you can see my rights under the FCRA have been violated more than once. I am hereby requesting the removal of these innacurate accounts as this is causing me a great deal of stress and embarrassment on my credit file. 

In addition to XXXX XXXX violating my rights under the FCRA, Experian is ignoring the fact that I filed Ch XXXX bankruptcy XXXX/XXXX/XXXX. In addition to the other errors listed above they continue to report recent late payments even though this account is included in the bankruptcy They also flagged my account as over the limit on XXXX/XXXX/XXXX even though this account was included in the bankruptcy. Both accounts charged off in XXXX yet the are reporting it charged off in XXXX and recent ( false ) late payments. This caused my credit score to drop 70 points and look as if I have a current delinquency. This is highly embarrassing as I am searching for employment and as you know most employers require credit checks. Lastly my dispute on XXXX did not yield any results. As you can see I can not and do not trust Experian or XXXX XXXX to do what is right when it comes to reporting my information so again I am requesting that this be deleted per my rights under the FCRA. I am enclosing screenshots of the errors they are reporting. 

Thanks,

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