Consumer complaint received 2020-09-30
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: Investigation took more than 30 days

Complaint:
First, I filed a Complaint with cfpb, on XX/XX/XXXX, related to EXPERIAN, complaint number XXXX. The Complaint related to EXPERIAN 'S refusal to properly investigate and/or remove derogatory information within the time frame allowed by law. My first dispute and request for investigation or removal of derogatory information was filed and received by EXPERIAN on XX/XX/XXXX. My dispute letter was supported by undisputable evidence that the derogatory information was inaccurate. As of today, EXPERIAN has not properly investigated or removed the derogatory information. The information I am speaking of relates to the following, companies and/or creditors : ( a ) US Dept of EducationXXXX # XXXX Account No. XXXX - this debt was paid in full on or about XXXX.See attached evidence. Irrespective of the evidence provided to EXPERIAN they have refused to investigate or remove the derogatory information. My credit report, with EXPERIAN, currently shows nine ( 9 ) 120 day past due payments ( XX/XX/XXXX through XX/XX/XXXX ). I asked XXXX  to explain how I could have a 120 day late payment in XXXX, when in fact the entire debt was paid in XXXX? XXXX  refused to respond or remove the derogatory reporting. 

On XX/XX/XXXX, one full day " prior '' to my complaint being filed with cfpb, complaint number XXXX, EXPERIAN sent me a response that claims their reporting is accurate. The explanation was that my student loan, loan number XXXX/Account No. XXXX was transferred to and consolidated with student loan number US Dept of Education # XXXX ... This makes absolutely no sense and is contrary to XXXX  'XXXX own Credit Report. EXPERIAN 'S own Report states that my student loan, loan number XXXXAccount No. XXXX, has a XXXX balance. Additionally, the documents I sent to EXPERIAN state that the balance was XXXX, as of XX/XX/XXXX. The student loan, loan number US Dept. of Education # XXXX ..., says that there is a {$2200.00} balance. So how does that work. Assuming for argument sake EXPERIAN was correct, which they are not, why would they report derogatory twice for the same allegedly consolidated loan? 

I first complained and disputed about this incorrect reporting on XX/XX/XXXX ; but because of EXPERIAN 'S negligence I have been damaged financially and continue to be damaged financially, regarding this matter. 

( b ) On XX/XX/XXXX, I requested that EXPERIAN correct inaccurate reporting related to XXXX XXXX XXXX XXXX ; however, as of today EXPERIAN has not investigated or corrected or removed those derogatory remarks. 

( c ) On XX/XX/XXXX, I requested that EXPERIAN correct inaccurate reporting related to XXXX/XXXX. XXXX XXXX ; however, as of today EXPERIAN has not investigated or corrected or removed those derogatory remarks. 

( d ) I have asked Experian continually to report my name correctly and they refuse! My name is XXXX XXXX XXXX XXXX. 

I am asking that cfpb intervene, because EXPERIAN refuses to comply with the law. My credit has been damaged 100 percent because of EXPERIAN 'S negligence and refusal to comply with the law as mandated by congress. 

By : XXXX XXXX, XXXX

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