Consumer complaint received 2020-03-12
Company: Experian Information Solutions Inc.
State: CA
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 sent a request for verification to Experian regarding a redeemed repossession on my credit report that had the " First Date of  Delinquent '' incorrectly reporting from XXXX  ( Account # XXXX ).  The report was showing a payment history of OK for XX/XX/XXXX, OK for XX/XX/XXXX, and Repossession for XX/XX/XXXX, and theres no updated reporting on the report that indicates that positive payments were being made after the repossession. From XX/XX/XXXX on shows " ND '' when this is not the truth. I asked Experian to conduct a re-investigation and provide me with the procedure used to verify the account because Experian 's claims to have verified the account with XXXX  ( 15 U.S.C. 1681i ). 

I sent XXXX XXXX  a letter enclosed with the Experian report showing the inaccurate reporting. When I did not hear back from XXXX XXXX XXXX, I called and spoke with XXXX XXXX ( XX/XX/XXXX ) who stated there was no request for verification sent to XXXX  by Experian. XXXX said that she would send a letter to Experian notifying them to correct inaccuracies reported by their company related to my account with XXXX ( Letter enclosed ).  XXXX also, told me that I could go down the branch in XXXX XXXX to obtain the documents I requested ( Payment history for XXXX ), but I would have to pay XXXX XXXX per paper. 

While attempting to purchase a home I obtained an updated credit report from Experian that still had the XXXX account reporting inaccurately. In XX/XX/XXXX, I contacted XXXX again to discuss with them the inaccurate information still showing on my Experian report. Once again I requested documents for the year XXXX. The representative stated that " There was a system upgrade and records only go back to XXXX '' He was ; however, able to provided me with the " Date of First Delinquency '' XX/XX/XXXX. repossession date of XX/XX/XXXX, and redemption/redeem date of XX/XX/XXXX. He stated that, " there was no information on the account reflecting past transactions, but he would mail me out a letter of intent ''. 

After two weeks ( 16 days ) passed and I had not received the promised document to help me prepare for my challenge to Experian, I contacted XXXX  again getting a different representative name XXXX who stated that the reason the documents was not mailed out, is because my address needed to be update and they did not have the correct address ( My address has been the same since XXXX ), so that was confusing. She went on to say that " Now that I told her my address again the documents as being sent out ''. 

I received a call from another account representative XXXX to notify me that " XXXX does not have any records of my account beyond general notes and I would not be able pick up any document at a Branch office as I was told by the XXXX XXXX in XX/XX/XXXX ''. She also, stated that she could not understand why Experian has not removed the redeemed repossession by now, but believes that because the car was " Repossessed in XXXX '' the seven years would be XX/XX/XXXX. I told her that the seven years starts at the point of " First late payment that led to the repossession> which was XX/XX/XXXX. To report otherwise, is a willingness to furnish inaccurate and misleading information to CRA, which damages my creditworthiness and fair opportunity to obtain financing or extended offers of credit. Furthermore, how could XXXX verify information that they no longer have records to verify.

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