Consumer complaint received 2018-05-12
Company: Experian Information Solutions Inc.
State: CA
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:
I have submitted multiple disputes with Experian and XXXX   requesting validation them to conduct a reasonable investigation of my your disputes, including correcting or deleting any inaccurate, incomplete or unverifiable information. The CRA 's continue to report inaccurate information. The report XXXX  XXXX 18 times for the same account. They report different balances, different payment status, wrong/inaccurate monthly payment amounts that have seriously contributed to damaging my credit scores and worthiness. I submitted disputes with the Experian and XXXX  on XXXX, XX/XX/XXXX, XXXX, XXXX, about the multiple account reports ( 18 accounts ) my XXXX XXXX reporting inaccurate late payment information on dates : XX/XX/XXXX ( 90days ), XX/XX/XXXX ( 90days ), XX/XX/XXXX ( 90 days ), On XX/XX/XXXX, Experian Credit Bureau reported, " We have an update about your Account Dispute. The disputes for the account with XXXX XXXX XXXX has been updated. '' I have requested proof that I was ever late, but I have never received any response back from the CRA 's or XXXX XXXX. My student loans have always been in deferment status. I have NEVER made a payment towards the student loans due to the deferment or forbearances. The CRA 's are not properly verifying the accuracy of these 18 accounts, and dismissing my disputes as either frivolous, or already disputed. They keep saying, " check your online account. '' Well online account says Deferment, never paid late. '' I'm tired of these CRA 's bullying me, reporting falsely, and  I'm the one having to pay for THEIR mistake and incompetency. The CRA 's and the creditor keep submitting information that it knows ( or should know ) that is incorrect. How can the same account report 18 times! If it's the same account, then it should be one large sum. NOT reported 18 times, inaccurate pate payments and so forth. That really damages my credit and I'm trying to get all my responsibilities in order and managed to the best of my ability. In all my dispute requests, I requested evidence that Experian and XXXX took the necessary steps to obtain access to pertinent documents from the credit grantors that verifies the accuracy of my disputes. I never received the requested information and it does not look like the CRA 's actually verified the accuracy of the accounts. 
I'm enclosing copies of CRA reports for this account that are all drastically different. If the CRA 's are doing their investigative due diligence, actually verifying that the accounts are acccurate and complete, then why are all 3 CRA 's reporting ALL different baalnces, monthly payments, some have ) monthly payments on the same account, some show different payment histories, some show on time for the same month, but then on a different CRA for the SAME month shows a late payment. I mean which one is it! They are not providing accurate information, and the CRA 's are not actually verifying that the information provided to them is accurate either. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1982 ), the CRA 's are to conduct a reasonable reinvestigation of information on a consumer 's credit report alleged by the consumer to be inaccurate. They are negligent and continue to damage my credit and ability to get new credit.

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