Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I requested a full investigation on the accounts showing on my XXXX, Experian and XXXX Credit Reports. All 3 credit bureaus responded by the first week of XXXX within 30 days saying they had updated the reports accordingly then each bureau sent me a new Credit Report for proof of the updates. Yet I still found discrepancies on each Report. 
I have attached the comparison reports for viewing on each to confirm the discrepancies. 

*How did they verify these accounts? 
*What company did they use to confirm? 
*Can you find out the process they used to resource information that went on my Credit Report? 

The Accounts below have caused me terrible Financial Stress especially after I requested the investigation XXXX updated the statuses erroneously : XXXX XXXX Account uses XXXX to collect on delinquent accounts and when I paid this one off through my attorneys office. XXXX removed the account properly as instructed by XXXX XXXX. XXXX and Experian are still reporting company showing the account as delinquent/charge off/unpaid. I attached paperwork this account should be deleted from all credit bureaus. 

XXXX Credit card was updated to show I was late 90 day increments 15 times which equals out to 3.75 years which is impossible and doesnt match XXXX nor XXXX XXXX This I believe was done in spite because I requested the investigation XXXX was updated erroneously as well showing I was late 5 years at 90 day increments 22 times which is not true because they reported account opened in XXXX closed XXXX so how could I have been late over 5 years, impossible! 

Both XXXX accounts both were updated to show I was late over 10 years 90 day increments 42 times! Again, impossible when accounts were both opened for less than 4 years. Please see the attached proof. 

XXXX XXXX shows I was late over 4 years at 90 day increments XXXX times! Yet this account was only active from XXXX to XXXX per their own reporting. 

XXXX I told all the credit bureaus and creditors this isnt my account and they need to provide proof of contract. They couldnt give me ANY information at all and at that point I asked XXXX XXXX Experian to remove this and even after the investigation the Open date/ remarks information on the reports still do not match. 

XXXX XXXX I told the credit bureaus and creditor this isnt my account, and they need to provide proof of contract. They couldnt give me ANY information at all and at that point I asked XXXX. This account never showed on XXXX or Experian. 

XXXX accounts ( 2 ) information here is incorrect and this account was to be removed from my reports because they are paid off. The WHOLE purpose of paying a debt is to have it removed and this never happened. Also theres violations here of inaccurate information because the dates nor amounts are correct after they did a so called investigation. 

XXXX XXXX* THIS IS SHOWING MY ENTIRE BANK ACCOUNT NUMBER AND THIS IS A MAJOR VIOLATION OF MY RIGHTS AS A CONSUMER!!! I want this account to be removed asap! 

After all the supposed INVESTIGATION and changes made to my credit report due to late payments erroneously reported I LOST -63 POINTS from my Credit Score which just crushed me because I am trying to recover my credit from a Terrible Divorce and this sent me into a backwards whirlwind I can't buy a car or home now. I did not deserve this treatment and I am asking for the same justice as All Consumers should get under the FCRA laws.

I also called and sent in 2 letters to Experian to update my address to the current one I live in and they refused. My ONLY address is : XXXX XXXXXXXX XXXX XXXX, SC XXXX. I also asked for them to remove the fraud alert they placed on my account that was not done as well. This ALL needs to be updated.

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