Consumer complaint received 2016-02-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I requested a dispute through Experian and the agency sent back the dispute stating, " We have reviewed the documentation you provided with your dispute, but have determined that we are not able to use it to make the changes or deletions you requested. '' ( Page XXXX of Proof and Credit Reports ) This statement had me a bit confused because although it states that the company can not make the changes or deletions requested, there were inaccurate changes made and I feel as though the investigation was performed negligently. For example, in the request/dispute I also asked the agency to provide a detailed report of their finding and the contact information of the data furnishers supplying the information, which was not provided. When I contacted the agency, the agent I spoke to about the dispute stated that Experian sends an electronic notification of the dispute and the creditor simply replies and states if the information on the report is accurate and then the dispute is closed. I feel that by filing this dispute the creditor is maliciously punishing me for inquiring about the account because they have not only NOT removed the charge off but the creditor moved the charge off to the month I requested the dispute, XXXX XXXX, making it look as though this is a recent charge off. The creditor and the credit-reporting agency ( CRA ) are simply sending in quick responses to close out disputes. I am very unsure if the documentation is actually being reviewed, as the agent stated to me that the responsibility of the credit reporting agency is to just forward the dispute, not open an investigation, and after the dispute is forwarded electronically, the credit reporting agency updates the consumers report with the response of the creditor. This seems as if there is no actual investigation. The CRA did not perform a reasonable investigation, and I firmly believe this because I was not provided any documentation of the detailed investigation which I clearly requested. The CRA should be following reasonable procedures to ensure maximum possible accuracy of the information contained in the report. The fact that I have XXXX credit reports a month a part showing a charge off in XXXX XXXX ( Page XXXX of Proof and Credit Reports ) then a new report showing the same charge off in XXXX XXXX, ( Page XXXX of Proof and Credit Reports ), demonstrates that a full investigation is not being performed. Why was this information not questioned? I had no account with XXXX in XXXX so how could there be a charge off in XXXX? I originally requested that the agency review the proof of account payoff in XXXX of XXXX ( Page XXXX and XXXX of Proof and Credit Reports ) and remove charge of ratings and delinquencies. I paid this account down to do a balance transfer but had issues with the creditor after the payment was misappropriated and it took months to resolve and the account was eventually closed in XXXX XXXX. I never completed the balance transfer because XXXX XXXX had several issues with XXXX. I would like to have this resolved soon, as I have been disputing this with Experian for over a year, and I was recently advised to stop doing online disputes and mailing in the dispute. The dispute date back to XXXX XXXX, and were always closed within a week, until I started to mail the disputes this XXXX XXXX, and I actually received a response that the documentation could not be used and the erroneous date of XXXX XXXX Charge off came back with it.

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