Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: NY
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:
-- - USDOE/XXXX - This account is being reported with an abbreviated name, the full name of the servicer should be on the account. 

XXXX  and Experian are reporting the Date of Last Payment as XX/XX/XXXX, XXXX  is reporting it as XX/XX/XXXX. No payments are due to this account at this time, however these dates are all inconsistent. However, XXXX  is reporting the Date Last Active as XX/XX/XXXX, Experian shows XX/XX/XXXX, and XXXX   shows XX/XX/XXXX - none of these dates match and how can there be activity when no payment has been made? 

All three bureaus are reporting the high credit as {$57000.00}, but the balance shows {$62000.00} for XXXX  and XXXX  while Experian shows an amount of {$62000.00}. This is a violation that has failed to be addressed repeatedly. - These amounts do not match. This information is not being reported 100 percent accurately according to the law. XXXX  has repeatedly failed to report this account was in dispute at all. XXXX  removed that this account is in dispute from the comment. 


-- -- XXXX XXXX - XXXX  is the only company reporting this account on top of there being an invalid account number. I am also only listed as an authorized user. This is not considered my account and should be removed. 


-- -- Another XXXX XXXX  account is being reporting by Experian and I am only listed as an authorized user, this isn't considered my account. 



-- -- - XXXX - XXXX  is reporting the high credit limit as {$2300.00} while the credit limit was left at {$0.00} while XXXX  and Experian are reporting the high credit amount as {$2800.00} with a credit limit of {$2300.00}. 

XXXX is reporting the Date Last Active as XX/XX/XXXX while Experian is reporting XX/XX/XXXX, and XXXX  as XX/XX/XXXX. These dates are supposed to match since they are supposed to receive the same exact information from the company. The date of last payment for Transunion shows XX/XX/XXXX, but the date last active is XX/XX/XXXX. 

Experian also shows a date last active as XX/XX/XXXX, but the date of last payment as XX/XX/XXXX. XXXX  shows as date last active as XX/XX/XXXX with a date of last payment as XX/XX/XXXX. Why do none of these dates with these companies match? This is not being reported accurately still. 

I have also been making payments to this account since XX/XX/XXXX. I have paid XXXX, XXXX, XXXX, and XXXX so far. The two year payment history doesn't even reflect this. None of the bureaus are reporting this information. How can they have verified this account and still be reporting all of this so wrong? 




-- - XXXX  XXXX - I have been making payments ever since XX/XX/XXXX to this company up until now. Experian shows a two-year payment history with CO, however XXXX shows I have been making payments since XX/XX/XXXX. Experian is reporting this wrong. 

Experian shows a date last active as XX/XX/XXXX, XXXX  as XX/XX/XXXX, and XXXX  as XX/XX/XXXX. Again I have been making payments to this account since XX/XX/XXXX. However, XXXX  is reporting the date of last payment as XX/XX/XXXX, Experian as XX/XX/XXXX, and XXXX  as XX/XX/XXXX. XXXX   shows a last reported date as XX/XX/XXXX, Experian shows XX/XX/XXXX, and XXXX  shows XX/XX/XXXX. This information is not only inaccurate, but being reported inconsistently by all three bureaus. They did not verify this information as correct as I have attached evidence and they refuse to change it. These companies are obligated under the FCRA to report this information totally accurate and they aren't. This is severely affecting my credit score. 

XXXX  is also reporting the credit limit as {$0.00} while XXXX  and Experian are reporting it as {$8800.00}. Experian is reporting the High credit as {$0.00} while Transunion and XXXX  are showing {$9200.00}. 

All three bureaus are reporting a past due balance on a charge-off, which is a violation that they still have not corrected. Experian is showing a past due amount of {$8900.00}, XXXX  and XXXX  show {$9000.00}. The account is already carrying a balance, it should not reflect a past due amount. Again, this is a violation. 

These companies are refusing to do a proper investigation into these errors. I have even asked for their method of verification and they didn't provide the information I requested, which I am allowed by law to request.

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