Consumer complaint received 2017-11-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent out a dispute to EXPERIAN ON XX/XX/XXXX. THE SAME DAY I SENT OUT The Other DISPUTES TO XXXX AND XXXX. UNFORTUNATELY I LOST THAT PROOF BUT I HAVE TOOK LIBERTY TO ADD THE PROOF OF ME SENDING IT TO XXXX. & XXXX ... 
I RECIEVED NO RESPONSE From experian. 
I SENT OUT ANOTHER DISPUTE on XX/XX/XXXX WHICH they RECIEVED ON XX/XX/XXXX ADDRESSING THERE CLAIM THAT THE COURTS HAVE verified the account that they are reporting as accurate. I ALSO ask for the description of the procedure used to determine the accuracy and ask for any documents bearing my signature, giving consent to EXPERIAN or any other people MAKING the communication about the bankruptcy ( see exh. C ) I also SENT OUT A LETTER TO THE COURTS ON XX/XX/XXXX WHICH THEY RECIEVED ON XX/XX/XXXX AND RESPONDED ON XX/XX/XXXXSTATING THAT ANY DISCREPANCIES WITH THE CREDIT REPORTING AGENCY MUST BE RESOLVED WITH THE CRA. AND I MAY WISH TO CONTACT A LAWYER FOR FURTHER ASSISTANCE! ( see exh. A ) Which means they do n't report to the agencies! 
EXPERIAN FAILED TO SEND ME OUT A description of their procedure used to determine the accuracy and completeness of the information under my name that they said the Courts is reporting and has verified as accurate. 
INSTEAD, ON XX/XX/XXXX, EXPERIAN SENT OUT A Report # XXXX, giving a description when you dispute the accuracy or completeness of information .... they process the dispute by law ( see exh.D ) It says that they .... ask the furnisher or the vendor to verify all of the information regarding the item I 've disputed and report back within 30 days of the date they received my request ... ..If, after Processing, we find that the disputed information is inaccurate, incomplete, or can not be verified, we then delete that information ... 
If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results? XXXX did n't show proof of their correspondence with the furnisher verifying or responding which means it should 've been deleted, like they said. 
( see exh.D Experian also states : If you question the results of our dispute process, then you may want to contact the furnisher of the information directly ... Please refer to your original personal credit report for the furnisher or public records office name, address, and phone number. 
( see exh.D IT DOES N'T GIVE A CLEAR DESCRIPTION ON WHETHER experian used a VENDOR or a FURNISHER to DETERMINE THE ACCURACY regarding the public record. BUT IT DOES LIST the public record CONTACT DETAILS IN THE ACTUAL REPORT # XXXX. In the public record it list an incomplete address because it 's missing room XXXX. It then list an inaccurate phone number which is someone 's personal mobile phone registered in XXXX, VA ; ( see exh.W, X ) which is inconsistent with the Actual COURTS phone number that they have listed in there RESPONSE LETTER and online. Experian also list an incomplete date filed and date resolved, and an inaccurate open date, identification number, and scheduled to continue on record date. ( See exh p ) I 've purchased credit reports from credit check total on XX/XX/XXXX and privacy guard on XXXXXX/XX/XXXX to still find out that EXPERIAN is reporting incomplete and inaccurately. 
The report was pulled Again on XX/XX/XXXX with credit check total and XX/XX/XXXX on privacy guard still reporting incomplete and inaccurate. ( See exh.Q-V ) On XX/XX/XXXX, i recieved REPORT # XXXX, with an update with the status details displaying " This item remained unchanged from our processing of your dispute in XX/XX/XXXX. '' On exhibit E, under " HOW TO READ YOUR RESULTS '' IT shows the definition of REMAINS= The company that reported the information has certified to EXPERIAN that the information is accurate. " This item was not changed as a result of our processing of your dispute. '' company showing as the reporter of this information found under my name with experian is the Courts and I already proved in the Courts response letter that they do n't report to the agency 's or certify the information reporting is accurate ( also see the Courts disclaimer exh.X ) Not only do they not certify but they do n't report period. The report # XXXX still shows inaccuracies mentioned before in report number XXXX with a now missing a claim amount, and a now COMPLETE date filled and date RESOLVED but this new information still is reporting inaccurate because it is inconsistent with the other 2 national credit bureaus. 
EXPERIAN, also list an account with XXXX XXXX displaying an Incomplete account number, status, date open, reported since, date of status, last reported, comment, payment history and account history. 
It also list inaccurate monthly payments and scheduled to continue on record date, payment history, and account history. It is also missing important details like Address identification number, closed date, high balance, recent balance, recent payment, NO actual amount paid, NO scheduled payment amount, NO DATE PAYMENT RECEIVED, and NO actual account balance listed.Next I 've Disputed and provided EXPERIAN with the necessary doc 's. to prove how my report should be displayed but they still to this day are reporting these inaccuracies ; ( see exh.h, I, j, k ) This incorrect information consists of Names, Addresses, and phone numbers that are reporting inaccurately. There are 9 different ways my name is spelled on my credit report when it should only be spelled one way, the correct way, which is XXXX XXXX XXXX. XXXX See exh. F, I, L/ page 10 ) PLEASE DELETE ALL OTHER NAMES. I also have 7 addresses showing on my report when it should only be one. Which is XXXX XXXX XXXX XXXX, VA XXXX, so PLEASE DELETE ALL of the OTHER address. ( See exh. G, I, j page 10 ) There is also inaccurate telephone numbers listed on my report that are n't nor has ever been associated with me. Please delete other numbers. The only number that should be on my report is my cell number of XXXX which can be found in this report. ( see edu. G, H, L / page11 ). I 've been a victim of identity theft and I 've filed it with the XXXX who notified the other bureaus and Experian sent me a letter acknowledging that they are aware of theft and stating that they have put my file In a fraud status and has added my phone number. However, they had the correct number on file for the theft alert but not in the personal information section of the report ( see page 11 ) Please update my phone number immediately. I have attached a copy of my State issued ID and social  security card to prove how my name should appear on my credit file In addition I have added a copy of my mortgage statement for proof of my residency and how my address should be displayed and how all of the other addresses should be removed. 
Lastly, Experian is still showing numerous inquires that were apart of the identity theft that they are aware of. 
There also alot of inquires with no permissible purpose. These inquiries have also been remove on other bureaus but EXPERIAN fails to remove it.. ( see page 3/ exh. M, N, O ) Not only is EXPERIAN continuously  reporting incomplete and inaccurate INFORMATION till this day but they are doing so with numerous vendors and business sources I do not recognized or have n't initiated their inquiries. ( Page4-9 ) EXPERIAN, explains they offer credit information about me to those with a permissible purpose, for example to extend OFFERS, make OFFERS, or give PREAPPROVED credit. See page 4 ) The only problem is EXPERIAN is sharing inaccurate and incomplete information to BUISNESSES who may want to offer me credit but has not because of the slanderous libel activity on behalf of EXPERIAN. They also have shared this defaming INFORMATION about me to at least 45 entitys with no listed permissible purpose and some even missing there contact information. ( See page 4-9 ) EXPERIAN, defaming activity also kept me from receiving a refinanced loan from XXXX which I have applied for but was denied. So that means I have an inquiry on my record I have to see for at least 2years reminding me every time how I could n't receive the benefits of CREDIT to save on interest rates, afford my payments and to help prevent losing my home left to me as the beneficiary by my parents who just died a few years ago.

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