Consumer complaint received 2022-06-24
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:
good morning this complaint is about the consumer reporting agencies XXXX Experian and XXXX XX/XX/XXXX I filed a complaint on XXXX because I was not recieving any notifications that a investigation was being done on some accounts that were being reported in error. 

XX/XX/XXXX I sent a letter to XXXX and XXXX challenging a account XXXX XXXXXXXX XXXX XXXX. my dispute was based on all 3 agencies reporting 3 different running of reporting periods manipulating the date of 1st delqiuency date. at the time XXXX reported estimated month and year this item will be removed was XX/XX/XXXX. Experian  On Record Until XX/XX/XXXX and XXXX date of XXXX delinquency date was XX/XX/XXXX causing this account to be legally removed XXXX XXXX.i also notated in that same letters the FCRA law 15 United States Code 1681c ( c ) Running of Reporting Period that explains how and when the 7 year expiration occurs and even threw in a comment based on Metro2 compliance. 

XX/XX/XXXX experian sends me results stating this account Remained with the On Record Until still to be XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX results were Verified this item belonged to you with the Date of 1st deliquency still to be XX/XX/XXXX causing this item to be removed XX/XX/XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  results were Updated but the estimated month and year this item will be removed is still XXXX XXXX # XXXX I took it upon myself to get a new report from XXXX seeing that they sent results in XXXX and my current report dated XX/XX/XXXX reflects the same information with the estimated month and year to be removed will be XXXX XXXX this new report is also reporting the same file # as my XX/XX/XXXX resultsXXXX XXXX XXXX XXXXXXXX I have put these consumer reporting agencies on notice for these errors and with me even making a complaint on XXXX and there non compliance, I believe XXXX is being unfair by just sending me these results because I have made a complaint on them. I say that because the other accounts that XXXX sent results for came back as We verified these items belonged to you. little do they know the other two accounts that were included with my complaint were already deleted from my XXXX  and experian report simply because the third party collection agencies did not properly validate the alleged debts therefore they had to cease reporting. XXXX is probably just XXXX XXXX  that I filed a complaint on them so they wanted to just keep these unvalidated collection accounts reporting. but that's ok I will respond accordingly. this complaint is based on the one account XXXX XXXX XXXX XXXX. 

again, I've put these agencies on notice of this federal error they continue to report. they have supplied me with my results with the same errors and now I am here, bringing this non compliance behavior and illegal tactics to you the Bureau of Consumer Financial Protection in hopes that this account gets deleted for these blatant errors from all my consumer disclosure reports. this data furnisher is furnishing information incorrectly or the consumer reporting agencies simply dont care of their illegal practices that their committing. either way I've supplied proof to support my claims and I have done my part as a consumer to get this issue cleared up. these errors are hurting my ability to get a home loan and the damages of my credit worthiness, character and credit eligibility are highly being affected because of this.

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