Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: TX
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 have been frequently working on my credit report only to still have numerous issues with the reporting bureaus not correctly identifying the incorrect information. They are claiming it to be Verified however nothing has changed other that the " Date of last Reported ''? 

Let me start with the concern that Experian has violated my rights as a consumer over and over again because I had a report pulled in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. In XXXX I did not have a XXXX XXXX XXXX on my report and I CAN PROVE THAT in court IF NEED BE which is where we will be going soon if they can not correct my issue. They recklessly added it to my report in XXXX which seems to be the end or beginning of XXXX. I will be attaching the proof below. I disputed it consecutively with no new updates, no proof of investigation, and no method of verification which is a violation to my consumer rights. Then as they reported it all three bureaus had incorrect information. XXXX updated the information and did remove the unverified information however Experian and XXXX did not and they did not send proof of the method they used to verify this or the proof they went through an independent investigation just as XXXX Vs XXXX XXXX I am able to ask for this proof and if it is not supplied within 15 days of being verified then it is to be in violation which is what this account is. Experian has failed to do its job once again. Experian is showing XXXX XXXX XXXX with a matching balance and high credit limit which can not be accurate, the open dates are incorrect on this account. 

XXXX has renewed the debt which shows it has been re-aged on top of not providing the proof of investigation and I want an independent investigation, not a letter showing me the basic steps they went by as they do for every other consumer. I do not want it explained by the E-Oscar system but by them doing their job. 

These XXXX bureaus have also failed to remove the XXXX XXXX Account which is also in violation for months. I disputed this account in XXXX and Experian is still showing the date of last reported as XXXX which proves they DID NOT even investigate the issue. Neither did XXXX which is also showing XX/XX/XXXX. XXXX actually Re-Aged this account as well which is also another violation. I have disputed this specific account since XXXX and have proof that I have done so. XXXX is showing a number of errors which makes me look bad as a consumer because they can not and will not commit to their job. Experian is showing no High Credit limit which is lower than the Credit Limit, which is wrong, to begin with, that is not the correct Credit Limit. The open dates are inconsistent with one another, they are stating this is a revolving account when it is proving to be a charge off or collection account. 
XXXX is not showing a Credit limit at all, the account numbers are inconsistent, to begin with on this account. I will also be submitting proof of this account as well.

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