Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: MD
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:
Preparing ahead of a purchase, I began addressing errors on my credit reports with Experian, XXXX  and XXXX  in XX/XX/2021. I disputed items with each Bureau, but to date they have only made the necessary corrections to some of my personal information, despite any evidence I have provided regarding the listed accounts with errors. For example, in their correspondence, the companies list XXXX XXXX XXXX as the provider of public information contained in my consumer report. 

I secured my consumer report from XXXX in XX/XX/2021 and they responded with the attached letter in XX/XX/2021 stating that they corrected some personal identifying data and deleted the bankruptcy record in question, XXXX. On XX/XX/2021 I wrote to Experian, XXXX  and XXXX  with a copy of my MD Real ID and the results from XXXX asking them to correct my respective reports. Today I received the results of my Experian dispute alleging they verified the data with the provider. This is clearly false, as the attached letter confirms. 

I have filed similar disputes with XXXX  and XXXX  and have been in the same fight since XX/XX/2021. I fully expect the same runaround behavior, as they have all previously " verified '' disputed accounts with XXXX and XXXX XXXX XXXX. In the interest of being thorough, I contacted each credit reporting agency and the companies in question. All state that the information is correct as of XX/XX/2021. However, not all the data is consistent across the board. I purchased the XXXX XXXX service to compare the three reports together. Origination date, closing date, amount owed, status as of XX/XX/2021 and all other categories should reflect the exact same information, as it was allegedly verified at the source. It clearly does not match. If any investigation was actually performed each time, as required by FCRA, there would be no inconsistency. 

Regarding XXXX, I filed a complaint here about an account with XXXX. It was allegedly investigated and " verified '' by XXXX  with the provider. I contacted the provider and was referred back to XXXX. I used the process. It failed me. But I persisted and XXXX eventually corrected the error ( documentation attached ) in XX/XX/2021, after reporting erroneously for four ( 4 ) solid years. 

This dishonesty and disregard is a pattern that must be corrected. As a consumer, I have the legal right to confront providers about errors and have them removed, timely. Across the board, I submit a dispute, they update my legal name and current address, while housing numerous other addresses, co-applicants, and refusing to contact providers of data to correct misinformation. This is completely illegal, not to mention costly because new accounts will judge me by this nonsense. 

The last time I filed a complaint here about Experian 's dispute resolution practices ( within the last 2 months ), they pretended they couldn't verify my identity and the complaint died. Transunion stood firm on their position that the data was correct. In actuality, they're blatantly disregarding facts, perpetuating fraud by reporting misinformation. Per FCRA, consumer reporting agencies have a DUTY to report accurate information, timely. This includes personal information, addresses, accounts and balances. The consumer literally pays when they fail to do so. 

I am asking you to enforce my consumer rights and make these private, for-profit companies do right by me promptly. Delete these falsehoods and update my reports 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