Consumer complaint received 2020-12-18
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:
In XX/XX/XXXX, I was denied credit for a car loan, due to negative items on my credit report. I discovered that XXXX XXXX XXXX was the reason for my denial. The most recent dispute I have with XXXX XXXX XXXX  was submitted and sent via USPS certified mail to all 3 major credit bureau 's Experian, XXXX and XXXX  on XX/XX/XXXX see attached ( Ref. A ). My request was to update/delete the " Date Last Active, '' because it was reporting incorrectly across all credit agencies. XXXX  - XX/XX/XXXX ; Experian - XX/XX/XXXX XXXX - XX/XX/XXXX. It obviously has been re-aged to continue to extend the statue of limitation. I asked for a careful analyst and to investigate the inaccurate information that is reporting in my credit report. I provided snapshot of my credit report side by side from my credit monitoring tool from XXXX I would hope this would help them investigate. Within 30 days I did receive new reports and response letters from all 3 credit bureaus ( Ref. D, E, F ). However I did not receive the results I was looking for. They did not even investigate my request of " Date Last Active. '' They did not do their due diligence and investigate. I reviewed the reports ( Ref. D, E, F ) that they have sent me and the updates. After several analyst, I noticed obvious accounting mistakes that possibly should of not resulted in a repossession. I discovered new inaccuracies that I missed and could of never seen without having a full report. 1 ) Experian/XXXX : is reporting REPO  on XX/XX/XXXX - ( Ref. E, F ) XXXX : is reporting REPO on XX/XX/XXXX - ( Ref.D ) 2 ) Late payments reported Experian & XXXX : XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX - ( Ref. E, F ) My leasing contract states that my payments are due every XX/XX/XXXX of each month ( Ref. C ) XXXX - Debited my account on XX/XX/XXXX - I was not 30 days late ( Ref. G ) XX/XX/XXXX - Debited my account on XX/XX/XXXX - I was not 30 days late also have XXXX XXXX receipt that reflects paid on XX/XX/XXXX and paid 2x of monthly requirement. ( Ref. H, L ) XX/XX/XXXX - How can I be 90 days late if I paid XX/XX/XXXX through XX/XX/XXXX? XX/XX/XXXX - Debited my account on XX/XX/XXXX - I was not 60 days late ( Ref. I ) XX/XX/XXXX - Debited my account on XX/XX/XXXX & XX/XX/XXXX for 2x payments ( Ref. J, K ) 3 ) As of today my XXXX  XXXX Credit Report on XX/XX/XXXX : My report is showing more inaccuracies than when I disputed in XX/XX/XXXX ( Ref. B ) >High Credit : XXXX Experian XXXX {$12000.00} XXXX  XXXX {$3900.00} >Past Due : There is a PAST DUE balance, when account has been CHARGED OFF >Date Last Active : XXXX XX/XX/XXXX EX- XX/XX/XXXX XXXX- XX/XX/XXXX The inability for XXXX  XXXX XXXX  to accurately do their due diligence to accurately report correct verifiable has resulted in a lot of XXXX  and XXXX XXXX I can not get approved for a car loan because of this account.

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