Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: CO
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:
My initial letter is dated XX/XX/XXXX and to update this file and still incorrectly report XX/XX/XXXX you exceeded the 30 days allotted for investigation and outcome from the original date of XX/XX/XXXX. I have disputed this account more than twice and the fact that there are 4 disputes and only two, ( dates XX/XX/XXXX and XX/XX/XXXX ), which are XXXX XXXX is proof you have violated my consumer rights. Experian has opened multiple dispute dates falsifying the original dispute dates WHEN THE DIPSUTES ARETHE SAME DISPUTE FOR CREDIT SYSTEMS! 
Report Number : XXXX Date Generated : XX/XX/XXXX, XXXXXXXX XXXX-REMOVED XX/XX/XXXX Reported XXXX XXXX : XXXX XXXX, XXXXREMOVED NOT REPORTED UNDER EXPERIAN DISPUTE CENTER Reported Number : XXXX Date Submitted : XX/XX/XXXX Inquiry Date : XXXX XXXX Estimated Resolution Date : XXXX XXXX ( HOW IS THE INQUIRY DATE AFTER SUBMITTED DATE ) Reported Number : XXXX Date Submitted : XX/XX/XXXX Account Dispute Modified : XX/XX/XXXX Reported Number : XXXX Date Submitted : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report Number : XXXX Date Submitted XX/XX/XXXX Inquiry Date : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Estimated Resolution Date : XX/XX/XXXX WE ARE NOW ARE ON XXXX XXXX DISPUTE CENTER Reported Number : XXXX Date Submitted : XX/XX/XXXX Date Generated : MISSING FROM DISPUTE CENTER Report Number : XXXX Date Generated : XX/XX/XXXX Report Number : XXXX Date Generated : XX/XX/XXXX XX/XX/XXXX ALLEGEDLY TRANSFERRED TO COLLECTION XXXX-REPORTED TO CREDIT BUREAUS REMOVED XX/XX/XXXX ADDED BACK XX/XX/XXXX INCORRECTED REPORTED AMOUNTS VIOLATING FAIR CREDIT REPORTING ACT XXXXCOLLECTION LETTER ORIGINAL AMOUNT : {$710.00} + {$11.00} INTEREST= {$720.00} XXXXUNSUBSTANTIATED typed letter of amounts, FAILURE TO PROVIDE PROOF, XXXX XXXX  RESPONSE TO VALIDATE DEBT LETTER BY XX/XX/XXXX WRITTEN XX/XX/XXXX INDICATED I OWED {$710.00} SUBMITTEDXX/XX/XXXX-REPORTED {$710.00} BALANCE {$760.00} XX/XX/XXXX REPORTING {$760.00} XXXX {$780.00} THEN REMOVE FROM EXPERIAN CREDIT FILE CAUSING A 18 POINT INCREASE XXXX {$770.00} ADDED BACK TO CREDIT FILES WITH A 3 POINT DECREASE WRITTEN DISPUTES TO EXPERIAN XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, VALIDATE DEBT LETTER ON XX/XX/XXXX ( WHICH I STILL HAVE NOT RECEIVE PROOF OF VALIDATION METHOD automated response or e-Oscar verification is unacceptable WITH VALID PROOF OF DATES AND INDIVIDUALS EXPERIAN SPOKE TO AND DOCUMENTS RECEIEVED THAT VALIDATED THIS METHOD ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, EMAIL REQUEST XX/XX/XXXX. To falsely report there are 2 disputes when its the exact creditor and several more disputes than what is being reported.

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