Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. Both the dates DOLA and DOLP are not accurately listed on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA. 
XXXX Account Number : XXXX Please investigate and delete this from my report. 
2. why is the high balance lower than the balance? It is not making any sense. 
XXXX Account Number : XXXX Delete this account for posting inaccurate information. 
3. This is a collection account so there should be no balance. Sold accounts can not carry any balances. 
XXXX  XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. How is it possible that the dates listed as last active for this account do not match on my XXXX  XXXX  and Experian credit reports. 
XXXX Account XXXX : XXXX I demand that this account be deleted from my credit because this is totally and obviously inaccurate and inconsistent. You are violationg FCRA for reporting this. 
5. how did you verify this account when the collection agency stated they had no information on me? I never her the chance to legally validate this account because the collection company can not find me. So how did this account end up on my credit? Where dd you verify this account from? 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this immediately! 

For EXPERIAN 1. Both the dates DOLA and DOLP are not accurately listed on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA. 
XXXX Account Number : XXXX Please investigate and delete this from my report. 
2. why is the high balance lower than the balance? It is not making any sense. 
XXXX Account Number : XXXX Delete this account for posting inaccurate information. 
3. This is a collection account so there should be no balance. Sold accounts can not carry any balances. 
SO XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. How is it possible that the dates listed as last active for this account do not match on my XXXX  XXXX  and Experian credit reports. 
XXXX Account Number : XXXX I demand that this account be deleted from my credit because this is totally and obviously inaccurate and inconsistent. You are violationg FCRA for reporting this. 
5. Why am I still seeing a balance of {$950.00} for this collection account? There should be no balance associated with it on my credit report. 
10 XXXX Account Number : XXXX I NEED THIS DELETED IMMEDIATELY. 

For XXXX 1. Both the dates DOLA and DOLP are not accurately listed on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA. 
XXXX Account Number : XXXX Please investigate and delete this from my report. 
2. why is the high balance lower than the balance? It is not making any sense. 
XXXX Account Number : XXXX Delete this account for posting inaccurate information. 
3. How is it possible that the dates listed as last active for this account do not match on my XXXX XXXX  and Experian credit reports. 
XXXX Account Number : XXXX I demand that this account be deleted from my credit because this is totally and obviously inaccurate and inconsistent. You are violationg FCRA for reporting this. 
4. Why am I still seeing a balance of {$950.00} for this collection account? There should be no balance associated with it on my credit report. 
10 XXXX Account Number : XXXX I NEED THIS DELETED IMMEDIATELY.

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