Consumer complaint received 2020-04-08
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 an inaccurate and incomplete account listed on my Experian credit report for nearly one full year and neither Experian nor the creditor ( XXXX XXXX XXXX XXXX ) has corrected or removed the account. I am complaining because Experian has violated the Fair Credit Reporting Act by failing to perform their own investigation of the account I disputed and removing it, as I have asked in my disputes. 

On XX/XX/XXXX, I sent a letter to Experian disputing the account because it did not notate my dispute that I sent in in XX/XX/XXXX. I also disputed the date of first delinquency because it was inaccurate. The third issue I disputed is that the account had a comment saying first payment never received. That was obviously inaccurate because the account had been open and paid monthly since XX/XX/XXXX. I asked Experian to delete the entire account. Experian responded on XX/XX/XXXX saying the account was updated, but the inaccurate information I disputed remained on my report. Experian again failed to notate that I disputed the account. 

On XX/XX/XXXX, I sent Experian another dispute about this XXXX account. I again disputed the comment saying I never made a payment because it was inaccurate. I also disputed the payment history because XXXX  was showing conflicting information. I asked Experian to delete the entire account. Experian responded on XX/XX/XXXX saying the information I disputed was verified as accurate. The comment about never receiving a payment remained, despite it being obviously inaccurate. Experian also failed to notate my dispute on the account, yet again. At this time, I also discovered other problems with the account as it was being reported at that time. 

On XX/XX/XXXX, I sent Experian another letter disputing the XXXX account because I discovered the account was incomplete. The account had been opened in XX/XX/XXXX, but the payment history was missing from when the account was opened all the way through XX/XX/XXXX, which was 35 full months of payment history. The account was incomplete without the payment history, especially since they were inaccurately reporting that I never made a payment. On XX/XX/XXXX, Experian responded saying they would not investigate again unless I sent them additional information. The account continued to be reported in an incomplete manner, missing 35 months of payments history. The account also continued to report inaccurately that I never made a payment. Experian failed again to notate that I disputed the account anywhere in the reporting. 

In section 611 of the FCRA, the language is very clear. It states, In general. If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete that information from the file of the consumer, or modify that piece of information, as appropriate, based on the results of the reinvestigation. 

Experian did not delete the account for being inaccurate or being incomplete, despite me disputing with them for almost one full year. In at least one instance, they simply refused to investigate even though their own records showed them the account was incomplete as well as inaccurate. I have continued to dispute with them by phone and by mail, and the account is still being reported inaccurately as of today. I was recently denied a credit card specifically because my credit report says I never made the first payment on the XXXX account. This inaccurate information is causing demonstrable financial hardship in my life, and I have no power to make Experian follow the law, I've sent them the proof multiple times and they refuse to act.

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