Consumer complaint received 2022-12-06
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 disputing a account with experian in regards to a error that they refuse to fix. XX/XX/XXXX I put experian on notice that the payment history was inaccurate. I have been in correspondence with the creditor under XXXX and the creditor has provided me with how the payment history should be reflecting with the information that they furnish to the CRA 's. I got back results from that dispute letter XX/XX/XXXX and experian claims to have updated the account. the payment history in the before and after reflect the exact same error proving that experian did not modify this inaccurate account correctly. the creditor specifies if I disagrees on how this account is being reported, for me to dispute information directly with the consumer reproing agencies. I have already done so and experian refuses to fix this inaccurate reported account. I have tried fixing the issue with the creditor and the consumer reproing agencies and I belivee experian is in non FCRA compliance procedures and regulations. 1681i ( a ) ( 5 ) ( i ) FCRA states that if after any reinvestigation a item remains inaccurate or incomplete, the account either must be modified correctly as appropriate based on the results of the investigation or Deleted. this account remained inaccurate after there investigation. I believe that experian is practicing unlawful and illegal procedures and practices by not following reasonable procedures to assure maximum possible accuracy before preparing me a new report violating 1681e ( b ). its not fair to me as a consumer to not have information reporting correctly on my consumer file. I have made experian aware that if they choose to report information then they must report it correctly and I have warned them if they choose to be in non compliance then I will be submitting complaints with all proper authorities starting with your agency. the payment history is inaccurate on this account and Experian has failed to report with the furnisher has furnished to them.experian reports the date of delinquency in the payment history occurred XXXX XXXX experian also reports the On Record Until is XXXX XXXX this reported information is in fact inaccurate and not abiding by FCRA REQUIREMENTS 1681c ( c ) ( 1 ) were the FCRA clearly states when the date of delinquency should have occurred before leading up to a charge off status. please explain to me how Experian can think this account could be federally removed in XX/XX/XXXX when the payment history shows there was positive payment in XX/XX/XXXX to determine the 7 year removal date. these errors are blatant and experian refuses to fix them. the creditor has provided me when the missed payments occurred leading up to the charge off in there correspondence letter. if experian did a proper and thorough investigation then the same information the creditor has provided me would be the same information Experian should have received in regards to my dispute in order modify and continue the reporting of information on my file correctly. experian is reporting a inaccurate On Record Until and inaccurate date of delinquency and late payments 30-60 days in the payment history. experian is in NON FCRA compliance. I have given experian plenty of opportunities to cure this account the right way experian refuses to comply.

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