Consumer complaint received 2023-02-14
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: Their investigation did not fix an error on your report

Complaint:
I began to dispute multiple errors on my credit report in XX/XX/XXXX. I started by sending debt validation to the actual creditors with XXXX and to XXXX, Experian, and XXXX for XXXX accounts and other charged off accounts. XXXX  mailed me back a bill statement but did not furnish a contractual obligation, proof of how the debt was calculated and what was paid for the debt. I then sent multiple certified letters requesting full validation of accounts on my credit report to the XXXX that was incorrectly reporting via certified mail. Each time I received almost immediate responses from XXXX, Experian and XXXX that the information was verified. I then sent via certified mail a letter requesting reinvestigation into these accounts and the inaccurate reportings across each account and to show full validation for these accounts and received the same response that they were verified. 

On XX/XX/XXXX I replied back to all bureaus requesting for proof of their methods of verification for these accounts via certified mail and advised they now had 15 days or i will be filling a complaint. I was then sent stall tactics in response requesting that I send my state issued photo ID again and that a reinvestigation will not be conducted and that it now gave them an additional 15 days. They also assumed i was using a third party to dispute errors. I sent via certified mail these items and requested again for the method of validation and verification they are using to determine these accounts belongs to me and the methods in which they used to make this determination as well as anything received on these accounts from the original creditor. I have not received any forms from the bureaus furnishing how these accounts are deemed accurate. Instead, i have received numerous notifications on my reports that account balances are being updated, late payments being changed and dates with no proof furnished to me on why these accounts are updating and changing or how they are even validating these debts are mine. XXXX sent a letter dated XX/XX/XXXX verifying all the accounts in question again with no proof furnished on their methods of verification. I mailed via certified mail again requesting their method of validation and printed off each account showing the multiple discrepancies across each account which shows a lack of the source of truth for these accounts and in fact is affecting the statute of limitations on top of inaccurately reporting since now these account balances continues to keep changing on my report. For the XXXX account ending in i sent proof that payment was in fact paid in XXXX through a settlement and that the creditor agreed once paid it will report as paid in full or settled in full but it reported in XXXX as the incorrect balance and that it was again charged off. Each Credit Bureau failed to accurately report and violated my fair credit reporting but updating these accounts and making changes without providing my documents on the validation, verification and reasoning for why these accounts are changing and removing these accounts from my credit report for the failure on abiding by the law and being held accountable. They can not keep updating these accounts without properly providing the reasons for these changes or showing me any validation that their updates are correct and where they are coming from to change and alter balances, payment history and dates. As the consumer i have the rights to fair credit reporting and ive sent multiple request for validation, method of verification and reinvestigation letters all via certified mail. 

Accounts : XXXX - XXXX ( INCORRECT REPORTING XXXX AS CHARGE OFF. ACT WAS PAID AND DOCS SENT TO XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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