Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: PA
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:
Dear Consumer Financial Protection Bureau, I am writing this complaint to report inaccuracies on my credit report that have been reported by XXXX, Experian and XXXX credit report of XX/XX/XXXX. Specifically, I am contesting the following accounts : 1. XXXX XXXXXXXX XXXX Credit Card with account XXXX XXXXXXXX opened on XX/XX/XXXX with a reported balance of {$1300.00}. 
2. XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX with a reported balance of {$2100.00}. 
3. XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX with a reported balance of {$13000.00}. 
4. XXXX XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX with a reported balance of {$630.00}. 
5. XXXX XXXX  with account # XXXX opened on XX/XX/XXXX with a reported balance of {$0.00}. 
XXXX. XXXX XXXX Collections with account # XXXX never opened with a reported balance of {$280.00}. 
7. XXXX  with account # XXXX opened on XX/XX/XXXX with a reported balance of {$5300.00}. 
I have previously disputed the above accounts and requested that the negative payment status be deleted, or the balance be updated to {$0.00}, or the negative information be removed from the account, but the results of the investigations did not satisfy my concerns. 
I strongly believe that the reported negative information on the above accounts is inaccurate and does not reflect my credit history. Therefore, I am requesting that the following actions be taken : 1. For the XXXX  XXXX XXXX XXXX XXXX account, I previously disputed that it was incorrectly reported as a charged-off account with a balance due. I requested proof of the charge-off, and that the balance be updated to {$0.00} or the negative payment status be deleted. Despite the results of your investigation, I continue to disagree with your findings. As per the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( A ), I request that you provide documented proof of your investigation, along with evidence supporting the negative payment status on this account or remove the negative information from the account. 
2. For the XXXX XXXX XXXX XXXX XXXX account, I previously disputed that it was incorrectly reported as a charged-off account with a balance due. I requested proof of the charge-off and that the balance be updated to {$0.00} or the negative payment status be deleted. Despite the results of your investigation, I continue to disagree with your findings. As per FCRA Section 611 ( a ) ( 5 ) ( A ), I request that you provide documented proof of your investigation, along with evidence supporting the negative payment status on this account or remove the negative information from the account. 
3. For the XXXX XXXX XXXX XXXX XXXX XXXX account, I previously disputed that it was incorrectly reported as a charged-off account with a balance due. I requested proof of the charge-off and that the balance be updated to {$0.00} or the negative payment status be deleted. Despite the results of your investigation, I continue to disagree with your findings. As per FCRA Section 611 ( a ) ( 5 ) ( A ), I request that you provide documented proof of your investigation, along with evidence supporting the negative payment status on this account or remove the negative information from the account. 
4. For the XXXX XXXX XXXX XXXX XXXX  account, I previously disputed that it was incorrectly reported as a charged-off account with a balance due. I requested proof of the charge-off and that the balance be updated to {$0.00} or the negative payment status be deleted. Despite the results of your investigation, I continue to disagree with your findings. As per FCRA Section 611 ( a ) ( 5 ) ( A ), I request that you provide documented proof of your investigation, along with evidence supporting the negative payment status on this account or remove the negative information from the account. 
5. For the XXXX XXXX XXXX XXXX account, I previous dispute of this account indicated that I always made timely payments. I requested that all statements and records of payments made and missed since the account 's opening be provided for review. Despite the results of your investigation, I continue to disagree with your findings. As per FCRA Section 611 ( a ) ( 5 ) ( A ), I request that you provide documented proof of your investigation, along with evidence supporting the negative payment status on this account or remove the negative information from the account. 
6. For the XXXX XXXX XXXX with account, I previous dispute of this account indicated that it was incorrectly reported as I have never opened an account with this company. I requested that proof that I opened this account be provided. Despite the results of your investigation, I continue to disagree with your findings. As per FCRA Section 611 ( a ) ( 5 ) ( A ), I request that you provide documented proof of your investigation, along with evidence supporting the negative payment status on this account or remove the negative information from the account. 
7. For the XXXX account, the reporting of child support payments on my credit report is in violation of the FCRA and other consumer protection laws, including the Consumer Credit Protection Act and the Fair Debt Collection Practices Act. According to these laws, child support payments are not considered credit obligations and should not be reported on credit reports. Additionally, the inclusion of child support payments on my credit report violates my privacy rights as child support information is confidential and protected by state and federal laws. Furthermore, the inclusion of child support payments on my credit report is misleading and inaccurate. It implies that child support payments are credit obligations, which is not the case. As a result, the reporting of child support payments on my credit report is causing me harm and negatively impacting my credit score. Therefore, I request that you immediately remove the child support payments from my credit report and take steps to ensure that this information is not reported in the future.

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 non-monetary relief