Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: PA
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: Investigation took more than 30 days

Complaint:
This is a new request sent here Reporting number XXXX Date Generated XX/XX/XXXX 1. XXXX XXXX XXXX Account XXXX ( Remains ) 2. XXXX XXXX XXXX Account XXXX ( Remains ) 3. XXXX XXXX XXXX Account XXXX ( Remains ) Description of Summery of Reinvestigation Not Sent to Consumer as consumer Requested in which they have 15 days by law to send. Remains Today as well as Disputed Multiple Times. Notices and Billing Errors Ignored Experian Stating I have to Dispute Again. 

Reporting Number XXXX Date Generated XX/XX/XXXX 1. XXXX XXXX XXXX Account XXXX ( Remains ) Description of Summery of Reinvestigation Not Sent to Consumer as consumer Requested in which they have 15 days by law to send. Remains Today as well as Disputed Multiple Times. Notices and Billing Errors Ignored Experian Stating I have to Dispute Again. 

Reporting Number XXXX Date Generated XX/XX/XXXX 1. XXXX XXXX XXXX Account XXXX ( Remains ) Description of Summery of Reinvestigation Not Sent to Consumer as consumer Requested in which they have 15 days by law to send. Remains Today as well as Disputed Multiple Times. Notices and Billing Errors Ignored Experian Stating I have to Dispute Again. 

Reporting Number XXXX Date Generated XX/XX/XXXX 1. XXXX XXXX XXXX  XXXX XXXX Account XXXX States Closed as of XX/XX/XXXX 2. XXXX XXXX XXXX  XXXX XXXX Account XXXX States Closed as of XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account XXXX States Closed as of XX/XX/XXXX Reporting Number XXXX Date Generated XX/XX/XXXX 1. XXXX XXXX XXXX Account XXXX ( Remains ) Description of Summery of Reinvestigation Not Sent to Consumer as consumer Requested in which they have 15 days by law to send. Remains Today as well as Disputed Multiple Times. Notices and Billing Errors Ignored Experian Stating I have to Dispute Again. 

Reporting Number XXXX Date Generated XX/XX/XXXX 1. XXXX  XXXX XXXX Account xx ( Remains ) Description of Summery of Reinvestigation Not Sent to Consumer as consumer Requested in which they have 15 days by law to send. Remains Today as well as Disputed Multiple Times. Notices and Billing Errors Ignored Experian Stating I have to Dispute Again. 

Reporting Number XXXX Date Generated XX/XX/XXXX 1. XXXX  XXXX XXXX Account xx ( Remains ) 2. XXXX  XXXX Account XXXX ( Remains ) 3. XXXX XXXX XXXX Account XXXX ( One of the Duplicates Removed After Damages Caused and Months of Request for Investigation.

4. XXXX XXXX XXXX Account XXXX ( Remains ) Description of Summery of Reinvestigation Not Sent to Consumer as consumer Requested in which they have 15 days by law to send. Remains Today as well as Disputed Multiple Times. Notices and Billing Errors Ignored Experian Stating I have to Dispute Again. 

Reporting Number XXXX Date Generated XX/XX/XXXX 1. XXXX XXXX Account XXXX ( Remains ) Description of Summery of Reinvestigation Not Sent to Consumer as consumer Requested in which they have 15 days by law to send. Remains Today as well as Disputed Multiple Times. Notices and Billing Errors Ignored Experian Stating I have to Dispute Again. 

Reporting Number XXXX Date Generated XX/XX/XXXX 1. XXXX XXXX  XXXX Account xx ( Updated Finally After Months Of Disputes, Account Closed ) 2. XXXX  XXXX Account XXXX ( Remains ) 3. XXXX XXXX XXXX Account XXXX ( Remains ) Description of Summery of Reinvestigation Not Sent to Consumer as consumer Requested in which they have 15 days by law to send. Remains Today as well as Disputed Multiple Times. Notices and Billing Errors Ignored Experian Stating I have to Dispute Again. 

Reporting Number XXXX Date Generated XX/XX/XXXX Address- Post office box XXXX XXXX XXXX, XXXX VA XXXX XXXX Deleted ) This is XXXX  XXXX Address Why are they reporting as if its I the Consumers, This has been Causing Mental Damages as well as physical. 
I feel as though they are intentionally hurting me at this point. 

This is Causing Damages Mental and Physical damages I can move because of they are hurting me and it feels as if this is on purpose, XXXX XXXX, XXXX XXXX, experian and XXXX XXXX XXXX. XXXX XXXX XXXX. have been reporting negatively Experian and XXXX XXXX XXXX. and the account is well over 7 years old since XXXX XXXX XXXX XXXX. They are not Honoring the Law at all Ignoring Multiple Request of them to fix the Billing Errors I'd like to Keep My XXXX XXXX XXXX. Account and Remover Defamation of character and all other Damaging Information attached Immediately.

1. Account Name & Account Number : XXXX XXXX XXXXXXXX Account **** Account # : Account Number Section Missing and incorrect information, fix Immediately or Delete. 
Account Status : Account status is reporting differently across all three Credit bureaus.

Date open : The dates open are not in fact reporting correctly for all three Credit Bureaus, fix Immediately or Delete.

Balance : The balance section is not in fact reporting correctly for all three Credit Bureaus, fix Immediately or Delete. 
High Credit : The high credit sections are in fact Incomplete and Inconsistent, fix Immediately or Delete. 


2. Account Name & Account Number : XXXX XXXX XXXX  XXXX XXXX Account XXXX Billing Errors and Individual acts Reporting late, when closed XXXX reporting Exceptional Payment History. 

Account # : Account Number Section Missing and incorrect information, fix Immediately or Delete.

Account Type Detail : The account detail sections States differently throughout all three credit bureaus, which in fact is wrong reporting fix Immediately or Delete.

Date open : The dates open are not in fact reporting correctly for all three Credit Bureaus, fix Immediately or Delete.

High Credit : The high credit sections are in fact Incomplete and Inconsistent, fix Immediately or Delete. 
Credit limit : The credit limit sections are in fact Incomplete and Inconsistent across all three credit bureaus, fix Immediately or Delete. 


3. Account Name & Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX States Closed sine XXXX of XXXX Date open : The dates open are not in fact reporting correctly for all three Credit Bureaus, fix Immediately or Delete. 
High Credit : The high credit sections are in fact Incomplete and Inconsistent, fix Immediately or Delete. 
Credit limit : The credit limit sections are in fact Incomplete and Inconsistent across all three credit bureaus, fix Immediately or Delete. 
Date last active : The date last active is not in fact showing the same date across all three credit bureaus, fix Immediately or Delete. 
Date of last payment : The date last of last payment is not in fact showing the same date across the three credit bureaus, fix Immediately or Delete 4. Account Name & Account Number : XXXX XXXXXXXX Account XXXX Billing Errors and Individual acts Reporting late, when closed XXXX reporting Exceptional Payment History. 

Account Type Detail : The account detail sections States business credit card on XXXX, states charge account on Experian and nothing on XXXX Which in fact is wrong reporting fix Immediately or Delete. 

Date open : The dates open are not in fact reporting correctly for all three Credit Bureaus, fix Immediately or Delete. 
High Credit : The high credit sections are in fact Incomplete and Inconsistent, fix Immediately or Delete. 
Date last reported : The date last reported section is in fact incorrect and suppose to be accurate across all three credit bureaus and they are not, fix Immediately or Delete. 
Date last active : The date last active is not in fact showing the same date across all three credit bureaus, fix Immediately or Delete. 

5. Account Name & Account Number : XXXX XXXX Account # : Account Number Section Missing and incorrect information, fix Immediately or Delete. 
Account Type Detail : The account detail sections States differently throughout all three credit bureaus, which in fact is wrong reporting fix Immediately or Delete.

Date open : The dates open are not in fact reporting correctly for all three Credit Bureaus, fix Immediately or Delete.

High Credit : The high credit sections are in fact Incomplete and Inconsistent, fix Immediately or Delete. 
Credit limit : The credit limit sections are in fact Incomplete and Inconsistent across all three credit bureaus, fix Immediately or Delete. 

6. Account Name & Account Number : XXXX XXXX XXXX. Account Duplicate XXXX Account # : Account Number Section Missing and incorrect information, fix Immediately Keep account remove adverse Information. 
Account Type Detail : Account Type Detail sections are in fact Incomplete and Inconsistent, fix Immediately Keep account remove adverse Information. 
Account Status : Account Status section are incomplete with missing information fix Immediately Keep account remove adverse Information.

Date open : The dates open are not in fact reporting correctly for all three Credit Bureaus, fix Immediately Keep account remove adverse Information..

Number of Months ( terms ) : Number of Months terms section in fact incorrect and suppose to be accurate across all three credit bureaus and they are not, fix Immediately Keep account remove adverse Information. 

7. Account Name & Account Number : XXXX XXXX XXXX  Account XXXX Account # : Account Number Section Missing and incorrect information, fix Immediately or Delete Account Type Detail : The account type detail sections are not in fact showing the same across all three credit bureaus, fix Immediately or Delete. 
Date Opened : The date open section is in fact incorrect and Inconsistent across all three credit bureaus, fix Immediately or Delete. 
Last Reported : The dates last reported sections are in fact incorrect and suppose to be accurate across all three credit bureaus and they are not, fix Immediately or Delete. 
Date last active : The date last active is not in fact showing the same date across all three credit bureaus, fix Immediately or Delete. 

8. Account Name & Account Number : XXXX XXXX Account XXXX Account # : Account Number Section Missing and incorrect information, fix Immediately or Delete Date open : The dates open are not in fact reporting correctly for all three Credit Bureaus, fix Immediately or Delete High Credit : The high credit sections are in fact Incomplete and Inconsistent, fix Immediately or Delete. 
Credit Limit : The Credit Limit sections are in fact Incomplete and Inconsistent, fix Immediately or Delete.

Date last active : The date last active is not in fact showing the same date across all three credit bureaus, fix Immediately or Delete.

Experian Lock The Consumer out of her account I could not obtain my report with ease according to 15 U.S.C. 1681 score nor see the frivolous activity on my 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