Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report I still see that the errors in which I have disputed on multiple occasions still have not been Deleted, Removed or Addressed to say the least. I find that the blatant disregard and lack of response regarding inaccurate credit reporting is appalling. Please DELETE the following below. 

XXXX XXXX XXXX XXXXXXXX Experian XXXX Account # : XXXX XXXX XXXX High Balance : {$1900.00} {$0.00} {$0.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Derogatory Paid Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Bank Bank Credit Cards National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Creditor Remarks : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance. 
Account legally paid in full for less than the full balance. 
Consumer disputes- reinvestigation in progress Amount in H/C column is credit limit Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$1500.00} {$1500.00} {$1500.00} The Account Below has NEVER BEEN LATE Update to reflect PAID AS XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX High Balance : {$8200.00} {$8200.00} {$8200.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Closed Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Finance/Personal Personal Loan Companies Auto Financing Account Status : Closed Closed Open Payment Status : Current Current Current Creditor Remarks : Account information disputed by consumer, meets FCRA requirements -- Consumer disputes- reinvestigation in progress Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : XXXX ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- Collection Accounts : Accounts seriously past due XXXX  XXXX XXXX Experian XXXX Account # : XXXX XXXX -- High Balance : {$2400.00} {$2400.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$2400.00} {$2400.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Dispute resolved; customer disagrees Customer disputed account - reported by subscriber. 
-- Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Last Payment : -- XXXX XXXX Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX  XXXX Experian XXXX Account # : -- -- XXXX High Balance : -- -- {$2400.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$2400.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes- reinvestigation in progress Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$2400.00} Account Type : -- -- Collection Payment Frequency : -- -- -- Credit Limit : -- -- --

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