Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: WI
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 started in the Fall of XXXX to go through my credit reports and compare them to find inaccuracies. At first I disputed inaccuracies and inconsistencies by stating the Creditor name, the account number showing on my report and then briefly what was inaccurate or inconsistent between credit bureaus. ( i.e. Inconsistent date of last payment or something similar. ) I did this a few times for each account depending on the bureau. All Bureaus did to fix issues so then I got VERY specific and compared everything the last two times in depth. Every time I have asked them to make it accurate and consistent or delete the account from my report. I have gotten sick of hearing that it was always someone else either being another bureau or the original creditor that is wrong. Even when I clearly state issues they have chosen to ignore me or have done a poor job investigating. It never came back 100 % accurate or consistent and it wasnt deleted. I want these items deleted from my account because you have repeatedly not taken care of this and you have MORE than enough chances. This is just a summary and I can dig deeper. All the issues are written in red after the item disputed when I checked the results of the investigation. 

First my name Experian has a misspelling of my name. Ive already had creditors tell me this inconsistent name makes me a lending risk when I was looking to prequalify. I have disputed this twice now and pertains to results from XXXX report # XXXX and report dated XXXX report # XXXX. 

There is a notice stating that my address is associated with a car repair business. We have lived here 10 years and there has been no car repair business. Please get rid of this notice it is on the reports and not accurate. 

Below are the accounts Ive disputed from these two reports and what is still wrong or what wasnt fixed. 
XXXX XXXX XXXX  The payment history shows XXXX for JXXXX of XXXX. I have a letter from XXXX and have disputed this at least once and sent the letter from XXXX stating the account was charged off on XX/XX/XXXX. 

My last dispute I stated that you were missing the balance history for XX/XX/XXXX until XX/XX/XXXX. I asked that it be reported so it can be verified for accuracy. Instead all the balance history was deleted and now there is no way to verify the accuracy of this account because the payment statuses you show cant be checked against a balance history. 

Two disputes ago I disputed the date of last payment and that it was different among the 3 bureaus. Instead of checking it for accuracy it was deleted. If there is no date of last payment I can understand why there is no longer a date that it should come off my report? Was it re-aged indefinitely since you removed this date? 

I disputed a few times the balance. If the amount owed was {$1800.00} and they wrote off {$1300.00} where did the {$550.00} difference go and how does that affect the reporting of this account? 

As Ive disputed a couple times also, how can the Recent Payment be {$0.00}. If {$0.00} was paid then there would be no payment made. It wasnt changed and this is very misleading. 

XXXX XXXX XXXX This is the collection account from the XXXX account listed above. 

The first issue and Ive disputed this multiple times is that the balance is reported as {$1800.00} but only {$1300.00} was written off. This just doesnt add up and seems like all the right numbers are in the right places. 

It is showing Collection in the payment history remarks. The problem as Ive stated in my disputes was that the account was opened on XXXX but the first payment remark doesnt show up until XX/XX/XXXX. 

The last item that stands out without doing a deep dive is the date it will be removed. As far as I understand this is based on the date of first delinquency. If this is the case my last okay remark on my XXXX card was XXXX of XXXX and my first 30 days late was XXXX of XXXX. Seven years from there are not the dates each bureau is reporting. 

XXXX is reporting XX/XX/XXXX as the date of first delinquency so removal would be XX/XX/XXXX XXXX XXXX is reporting removal of XX/XX/XXXX Experian is reporting removal of XX/XX/XXXX That would mean all 3 have a wrong date of first delinquency being reported to them. I disputed this on both dispute letters. 

XXXX XXXX Experian chose not to investigate this account on the results from XXXX. 

The biggest issue was the balance in the balance history went up and down and then back up again. That doesnt make sense on a collection account when no payments were made. I disputed this and the results from XXXX showed no change After the first investigation the status updated date said invalid date. 

The date opened is listed as XXXX but doesnt start reporting payment history until XXXX. Incomplete information cant be verified as accurate. 

XXXX XXXX XXXX Again Experian chose not to investigate this account on the results from XXXX. 

The date opened is listed as XXXX but doesnt start reporting payment history until XXXX. Incomplete information cant be verified as accurate. 

It lists the original creditor as XXXX XXXX. I still cant find any Creditor that is known as XXXX XXXX. I do know of a few creditors that issue XXXX XXXX  to customers but there are a few like I said. I have disputed this in both of these disputes mentioned and at least one other time before these. 

XXXX Experian chose not to investigate this account on the results from XXXX. 

Again Experian reported a recent payment of {$0.00}. How can this be? If nothing was paid it wouldnt be a payment. I disputed this on both disputes. 

All of the XXXX history is missing after the first dispute, which I disputed in the second dispute. How can any of the payment history remarks be verified as accurate without this? I find the payment history remarks suspect because it never was 180 days late before it was charged off. Im not saying it has to be but it normally is. 

Last account would be XXXX XXXX higher education. 

Simply put and straight to the point it is missing 23 Payment remarks. The problem is when they were there, they started out going from an okay payment status remark one month to 60 or 90 days late the next. If the underlying information is flawed to where this cant report accurately, it should be removed. Missing 23 can really mess up the on time payment calculation. 

I have kept scans of everything I have sent them from these accounts including scans of the original disputes, a copy of the signature confirmation of them receiving disputes, the results and the next report following the investigation.

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