Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: TX
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 been disputing several accounts for years with no resolve. All three credit reporting agencies have not accurately reflected the information given to them and included in recent dispute. 
I had a XXXXXXXX XXXX account in XXXX. It is inaccurately reported as charged off. Even though I have disputed this numerous times. They never report it accurately. I sent email evidence to the credit bureaus supporting my claim. I closed this account. I spent {$70.00} and repaid it. Account was originally {$100.00}. XXXXXXXX XXXX sent email stating that they were having issues with the credit card website in XXXX of XXXX. Even though this account was paid off by me and asked to be closed with nothing owed I was charged XXXX and even though disputed several times this item remains on my report. In my evidence it clearly shows that I sent a payment of {$50.00} in XX/XX/XXXX and {$20.00} in XX/XX/XXXX but all three credit reporting agencies have me as delinquent. If I sent a {$70.00} payment on a card that only had a {$100.00} limit and previous to that I paid {$50.00} how do the bureaus keep reporting me as 120 days late in XX/XX/XXXX. How is this account charged off and I never paid but XXXXXXXX XXXX was still sending me valued card holder emails in XX/XX/XXXX? The point is I closed this account in good standing, but somehow since XXXX XXXX is telling the bureaus I am inaccurate even with email evidence to prove payments and discrepancies this item is not removed from my report causing irreparable harm to my credit for years. 

The second instance is with XXXX XXXX XXXX XXXX. All three credit bureaus have me being one payment in 10 years late. It was two payments until my recent initial dispute. then they changed it to one late payment of 90 days in XXXX of XXXX. The real travesty here is after disputing this item since XX/XX/XXXX they refuse to remove the late payments. I was never late. If I have a payment status of paid as agreed in XXXX, XXXX and XXXX of XXXX, how can I have a 90 day late status in XXXX of XXXX? When I started to call the credit bureaus again to let them know that this is completely ridiculous and ask if they looked at my submitted evidence of an email that clearly states that the account was in forbearance from XX/XX/XXXX to XX/XX/XXXX Experian first said that they did not receive any documentation and I had to resubmit. Then when I was not able to resubmit I called back to Experian and asked to speak to a supervisor and was transferred to a non working number, after calling Experian for the third time I was told that my documentation was not good enough and even though I had an email with the date and time stamped was told I needed a letter from the creditor claiming I was not late. If they would give me that and I could resolve this with the original creditor, I would not be initiating an investigation. This is completely absurd. All three credit bureaus refuse to remove this one late payment in which you can clearly see is inaccurate. ' I am struggling to get my credit together to buy a home. I am working hard and doing better with staying on top of inaccurate information that is harmful to me. This is not right what these bureaus do. Then they put dispute statements on your credit and do not remove them even when you ask to remove them hurting your credit even more. 
XXXX has an extended fraud alert on my account - it says on their website to get an extended fraud alert that you have to submit a police report. I have never done that. I have disputed items on my report that were fraudulent or re aged or inaccurate but never have I told them to put an extended 7 year alert on my account. This also causes harm when applying for 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