Consumer complaint received 2019-09-10
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019 I XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX GA XXXX. Mailed to Experian / XXXX   at address XXXX XXXX XXXX XXXX, TX XXXX. A letter disputed inaccurate accounts reporting on my credit report.This letter included supporting documents outlining the inaccurate accounts requesting that the be deleted do to this multiple inaccuracies. I understand as Experian does that any account that has one inaccuracy becomes invalid and must be deleted. I'm informed Experian of there apparent neglect and requested that the be deleted. But received no response from Experian. These has gone on long enough. I'm Outraged! I'm reporting this to other regulating agency in efforts to reach a resolve effective immediately. I have rights and Experian knows that my rights have been enacted. I've included the letters that I've sent to Experian on XX/XX/2019 in additions to the supporting documents such as my state Id, ssn card copy and documents showing these inaccuracies. I'm requesting these accounts be deleted effective immediately. I will be consulting the attorney general in my state to see what other resources that I may have available. These are the following accounts below. " 1. DELETE XXXX  XXXX  XXXX Immediately! Because It is reporting that I was late for 120 Days but IN THE PAYMENT HISTORY section there is NO LATE PERIOD REPORTING FOR THE PRIOR MONTHS BETWEEN XX/XX/2019 TO XX/XX/2019. ADDITIONALLY XXXX  AND XXXX  ARE NOT REPORTING THAT I WAS ( LATE 120 DAYS ) IN XX/XX/2019. In the Status Updated section XXXX has ( XX/XX/2019 ). However you're reporting ( XX/XX/2019. ) It'S NOT REPORTING a HIGH BALANCE. XXXX IS REPORTING A BALANCE OF ( {$7400.00}. ) EXPERIAN IS REPORTING ( {$7800.00} ). What's the correct balance? Dont you get your information for the same company? Delete this Immediately! PLEASE SEE PROOF ON CREDIT REPORT ATTACHED. 
2. Delete XXXX XXXX XXXX XXXX XXXX BECAUSE IT IS A CLOSED ACCOUNT THAT STILL HAS CURRENT ACTIVITY ON IT AS OF XX/XX/2019. XXXX  IS REPORTING {$860.00} AS THE PAST DUE AMOUNT. How could this be? Its not the same. Dont you get your information for the same company? Additionally, IT IS NOT REPORTING IF THIS CLOSED ACCOUNT HAS BEEN SOLD OR TRANSFERRED TO A COLLECTION AGENCY. Delete this listing Immediately! 
3. Delete XXXX XXXX XXXX XXXX Now BECAUSE IT IS A CLOSED ACCOUNT THAT STILL HAS CURRENT ACTIVITY ON IT AS OF XX/XX/2019. IT HAS A PAST DUE BALANCE OF {$5200.00}. Additionally, IT IS NOT REPORTING IF THIS ACCOUNT HAS BEEN SOLD TRANSFERRED. THERE IS NO HIGH BALANCE. XXXX IS REPORT A HIGH BALANCE OF {$5200.00} How could this be? Its not the same. Dont you get your information for the same company? Delete this listing Immediately! 
4. Delete XXXX/XXXX  XXXX Now BECAUSE IT IS A CLOSED ACCOUNT THAT STILL HAS CURRENT ACTIVITY ON IT AS OF XX/XX/2019. Additionally, IT IS NOT REPORTING IF THIS ACCOUNT HAS BEEN SOLD TRANSFERRED. Delete this listing Immediately! 

5. Delete XXXX XXXX XXXX XXXX XXXX XXXX Now BECAUSE IT IS A CLOSED ACCOUNT THAT STILL HAS CURRENT ACTIVITY ON IT AS OF XX/XX/2019. SUCH AS PAST DUE BALANCE. ALSO IT IS NOT REPORTING A HIGH BALANCE. HOWEVER XXXX IS REPORTING A HIGH BALANCE OF {$17000.00}. Additionally, IT IS NOT REPORTING IF THIS ACCOUNT HAS BEEN SOLD TRANSFERRED. Delete this listing Immediately! 

6. Delete XXXX XXXX XXXX  XXXX Now BECAUSE IT IS A CLOSED ACCOUNT THAT STILL HAS CURRENT ACTIVITY ON IT AS OF XX/XX/2019. Additionally, IT IS NOT REPORTING WHETHER OR NOT THIS ACCOUNT HAS BEEN SOLD TRANSFERRED. IT IS NOT REPORTING A HIGH BALANCE. HOWEVER XXXX IS NOT REPORTING A HIGH BALANCE OF {$5100.00}. How could this be? Its not the same. Dont you get your information for the same company? Delete this listing Immediately! 

7. Delete XXXX XXXX XXXX XXXX because XXXX and XXXX has a balance update reporting ( XX/XX/2019 ) However Experian is not reporting a balance updated in the ( balance updated ) Don't your company get the same information from the same Creditor and/or Collection Agency? How could this be? These discrepancies are affecting my credit scores and ability to obtain loans, jobs and credit cards. Because of your apparent neglect in assuring that everything on my credit report is Accurate, Complete, and up to date. Delete the following discrepancy accounts immediately listed below and send me another credit report.

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