Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: TX
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:
since XXXX I have been challenging account XXXX XXXX XXXX with the XXXX consumer reporting agencies XXXX Experian and XXXX. I have also sent this collection company a letter asking for there proof to be able to legally collect on this alleged debt. 
XX/XX/XXXX XXXX sent me a response letter along with some bill statements. 
since then I have been challenging this account with the XXXX bureaus based on inaccuracies. my results either always come back verified or updated or remains. 

fast forward to my most recent letters I sent to the consumer reporting agencies dated XX/XX/XXXX. 
XXXX  letter was based on NEVER receiving my written results after the completion of their investigation. XXXX verified this account XX/XX/XXXX XXXX they also didn't notate a investigation was done in the comment section only the furnisher. 

experians letter was based on why was experian reporting a active payment history by reporting a collection every month. this error is also reporting on my actual experian report as well. by them reporting a active payment hitosry every month this is manipulating the running of reporting time. to my understanding a collection account is late by default, so a payment history was never occurred with this furnisher. why are they reporting a payment history let alone a active payment history? 

equifaxs letter was based on them reporting the last payment field XX/XX/XXXX but this account was opened XX/XX/XXXX. first off there was never any payment made with this furnisher for them to report this field. second, how is it possible to report the last payment in XX/XX/XXXX but this account was opened in XX/XX/XXXX? 

XX/XX/XXXX Experian results say REMAINS the information reported had been verified as accurate by the creditor XX/XX/XXXX transunion results say Verified as Accurate. 
I still have yet to hear form XXXX. SHOCKER! XXXX NEVER sends me ANY written results let alone documents regarding my letters I send them. 

XX/XX/XXXX I got a letter from XXXX basically stating the same as their first letter along wit the same information. 

XX/XX/XXXX I decided to update my XXXX account to see what's going on with this account and I noticed that not only did the furnisher RECENTLY REPORT XX/XX/XXXX but I also noticed no errors were modified. XXXX Verfieid this account XX/XX/XXXX XXXX why haven't I recieved any results nor notifications regarding my dispute? Experian still reports a collection every month in the payment history. XXXX still reports the same errors as before. I also decided to get new REAL updated reports and noticed that XXXX is reporting XXXX DIFFERENT RUNNING OF REPROTING TIME frames AFTER they had recently stated that all reported informant was accurate according to the credit reporting agenicies. This is UNFAIR and ILLEGAL debt collection practices. how can XXXX and experian verify all reported information as accurate but I see these errors in black and white. let me explain XXXX estimated month and year this item will be removed is XX/XX/XXXX. Experian On Record Until is XX/XX/XXXX and I still have a copy of my very old XXXX report that says the date of 1st deliquency date was XX/XX/XXXX putting the running of reporting time frame to be set for XX/XX/XXXX. this is XXXX different dates! why is XXXX XXXX XXXX able to get away with such cryptic tactics??? I have played nice for to long and I have done my part by reaching out to not only the consumer reporting agencies but also the furnisher of this alleged debt.

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