Consumer complaint received 2023-01-13
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:
This complaint is being filed against experian and XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I do not believe proper and thorough investigations have been conducted because my latest results I got from experian on XX/XX/XXXX read that this item remained unchanged because the company has ceriteid to experian that informant was accurate. I do not agree with these results because of the fact that information is in fact inaccurate and incomplete, therefore if experian couldnt fix the errors then this item should have been deleted. Verifying this account under my name and verifying this account as accurate are two different things. I never once have disputed this account based on ownership, this account ha always been disputed based on Inaccurate information since XX/XX/XXXX. As a consumer I have the right to dispute anything on my file that is found to be inaccurate and incomplete and I have already exercised my right. To my understanding if the company XXXX XXXX XXXXXXXX has certified this account has accurate then shouldnt I receive some kind of correspsondce from them in regards to there notice of dispute sent to the consumer reporting agencies. I have not received any notice from this company directly during my who disputing process. How is it that experian can certify the information is accurate when there are blatant errors and incomplete information being reported. 

My latest dispute sent to Experian, XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX was based on the fact that the payment history is reporting incomplete information. I have also put experian on notice before in previous disputes that the On Record Until is inaccurate because the payment history shows a different date of delinquency date to determine the 7 year statute of limitations. 

XX/XX/XXXX I got results from experian report number XXXX stating that this company has ceritid that the information reporting is accurate. 

XX/XX/XXXX I got a new report, report number XXXX and the following errors and incomplete information is reporting. 

On Record Until XX/XX/XXXX is inaccurate. The payment history reads the date of delinquency that led to the charge off status occurred XX/XX/XXXX NOT XX/XX/XXXX. The payment history reads that XX/XX/XXXX this account was past due 60 days. After XX/XX/XXXX there were 3 on time payments and then XX/XX/XXXX was the first 30 days past due before the account was charged off. 
Balance Updated XX/XX/XXXX is the last time east tx reported and updated information to experian. If this company has certified information was accurate then shouldnt this date reflect the same date the company certified information was accurate. 
The payment history remains Incomplete following my XX/XX/XXXX dispute. ND is still considered INCOMPLETE information. So if the company has certified with experian that information was accurate then the company is certfying the payment history had No Data for 10 months? 8 of the No Data months were when this account was opened with this creditor therefore the creditor should have the information for those months in there system. 
Comment Current Account information disputed by consumer ( meets requirements of the FCRA ). This statement is false and believed to be outdated. If the company hasnt reported or updated information since XX/XX/XXXX and hasnt sent me a response directly verifying the information they are reporting to the CRAs is accurate and information remains inaccurate and incomplete then NO this account DOES NOT MEET FCRA REQUIRMENTS. Especially the 7 year running of reporting period as described in FCRA 1681c ( c ). The 7 year running of reporting period is a REQUIREMNTS contained in consumers report so it is a REQUIREMENT for this date to be reported ACCURATELY. 

I dont not agree with experians outcome. If east tx professional didnt respond to experian dispute in a timely manner then this item should have been updated instead of using my personal information or another CRA entity to verify this account as accurate. I do not believe XXXX XXXX XXXX reinvestigated this account either becasue I have not received any paperwork from this company directly. If this company disagrees and claimed they have sent me correspendence in regards to all my disputes then I want every notice of dispute that was sent to me at the address they sent it to for verification and to meet FCRA requirements and regulations. 

Information I am requesting from XXXXXXXX XXXX XXXXXXXX XXXX XXXX date of deliquency that led to the charge off status. 
Last payment made and for how much. 
The 1099-c form generated since the status reads this account was charged off and written off. The IRS publication specifies any debt over {$600.00} or more, a 1099C is required to be generated in order for the company to get a tax credit for loss income. This 1099C form was suppose to be sent to me so I can file with my taxes. Since the status does read this account was written off then the balance of {$1000.00} is inaccurate because INCOME does NOT report on consumer files. 
All past due dates and amounts including interest, late fees and any additional fees and taxes. 
The Original Charge off date. 
The highest amount the account has ever been and reports to the CRAs. 
All dates and letters that was sent to the correct address and consumer in regards to all of the notice of disputes proving this company in fact completed a reinvestigation and has put in a notice of dispute with the CRAs or a notice that the company is verifying the information being reported to the CRAs is accurate. 
The correct mailing address that this company recieves disputes regarding consumer reports. 

If this company does not have my correct address that they sent any information to then this account is invalid. The same information the CRAs sent to them indirectly has all my correct contact info included so there is no excuse why they would have the wrong contact address under my name in there system if they did a investigation. 

The way this account is reporting is not abiding by FCRA requirements. In addition XXXX is reporting this account to be federally removed on XX/XX/XXXX but Experian reports this account is on record until and being removed on XX/XX/XXXX? That is a 5 month difference and a perfect example why this complaint is being made. XXXX has Verified this account before and the removal date reported on those results was XX/XX/XXXX. XXXX has deleted this account becasue information was in fact inaccurate. to my understanding once a account has been deleted that agency is suppose to send out those results to the creditor and other consumer reporting agencies on a nationwide basis. I am wondering why XXXX or Experiain has not recieved those carbon copies in order to modify there files accordingly. and if those results were sent to the creditor then why is the creditor still reporting on my file and inaccuraltey at that? At this point only XXXX is complying to federal FCRA regulations. Experian and XXXX are NOT. I've disputed this account too long just to get back results that do not change and the reports remain different. if both agencies have verified this account as accurate and the reports included with the results reflect different information then it is a FCRA violation.

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