Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: AL
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:
This complaint involves the following companies : * XXXX * XXXX * Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regarding the companies : XXXX, XXXX, Experian My report has been disputed almost every single month over the same accounts with all three bureaus modifying or publishing inconsistent changes for each dispute. 

Between XXXX XXXX and XXXX/XXXX/XXXX I have filed multiple disputes with each bureau in an effort to correct inaccuracies in my reporting. These inaccuracies have affect credit decisions for me and have cost me considerably with opportunities. 

The credit card accounts that I had with XXXX and XXXX XXXX were previously in a collection status and there was an established agreement made before settlement payment that my negative remarks, payment history, and derogatory status would be removed from reporting upon receipt of payment. 

XXXX and XXXX XXXX have repeatedly varied their responses and required credit bureau disputes all of which returned inaccurate results that still have not corrected the issue. 

XXXX refused completely to acknowledge their issue or even attempt to resolve the issue on their own. After informing them when I called back in XXXX of XXXX that I had previously submitted 2 disputes with no avail they simply suggested that I attempted yet another dispute. 

I have done the 3rd dispute attempt and have not had the issue corrected at all with Experian, XXXX, or XXXX all of which have obfuscated reporting and all of which have changed their reporting multiple times with each dispute, failing to resolve the issue each and every time. 

I have attempted to subscribe to all three bureau 's individual reporting services in an attempt to progress my issue and not only was I charged money for access to inaccurate reporting, I was unable to receive the assistance that I paid for. 

This is in addition to the XXXX security breach which has left me unable to access my credit report to " freeze '' it due to both online and telephone failures. I have only been able to access error messages both online and over the phone when attempting to contact all three bureaus to freeze my report. XXXX, even though I am a currently paying subscriber, attempted to sell me an additional service that provided features which I was already entitled to, and features that did not deliver the service that they advertised. 

XXXX also presents its premium subscription as a way to receive quicker alerts and added safeguards in defending fraudulent activity. As a subscriber I was not made aware, and still have not received, any attempted communication on the part of XXXX to notify me of the security breach. 

My accounts with XXXX and XXXX XXXX have been settled well out of this year. No account had any obligation owed and I was not in any customer relationship with either bank for the entire whole of XXXX. Furthermore, my account with the Veteran 's Administration that was reported as of even the most recent XXXX dispute as being in a collection status as of XXXX. I have a paid in full letter directly from the Veteran 's Administration refuting this reporting entirely. 

The latest XXXX dispute results as of XXXX state, " We have verified that this item has been reported correctly. Additional information has been provided from the original source regarding this item. The date closed has been updated. We have verified that the last payment date is reporting correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. '' XXXX XXXX XXXX has neglected to report all payments made in accordance with attached documentation. In addition, each dispute filed did not return accurate reporting for this information as well. 

My current status still shows as a collection account in derogatory status despite a paid in full letter showing the correct date directly from the Veteran 's Administration.

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 non-monetary relief