Consumer complaint received 2021-11-20
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:
good evening, I am filing a complaint on experian for providing me with false results repeatedly XXXX I disputed this account based on their incomplete payment history reporting. XX/XX/2021 report # XXXX experians results say they have updated the account based on the disputed information. nothing was updated. payment history still incomplete. 

I responded back XX/XX/2021 asking what did they update because the before and after results stayed the same. correct me if im wrong but since they updated the account then they should be able to show proof of their investigation in my results for my viewing. its my report so its my right to know. 

my new results dated XX/XX/2021 with new report number XXXX, 10  days later from my letter, showing " the item you disputed has been updated, which may include an update to the disputed information. '' again absolutely nothing was updated. everything reports the exact same as my before results but this time with a new report number. to my understanding a new report number signifies a new investigation has been processed, and new investigations are done within 30-45 days, not 10 days according to their website. this is not right they are sending me false results as stall tactics. either way this is not the way a investigation is suppose to be handled. according to the Experian Website Disputes Related to Accounts or Public Records " Updated : This can mean a couple different things, such as : The information you disputed has been updated. 
The information you disputed might have been verified as accurate by the data furnisher, but other information on your account unrelated to your dispute has been updated. '' " Deleted : The disputed item was removed from your credit report. '' " Processed : The disputed item was updated or deleted from your credit report. '' " Remains : The company reporting the information has certified to Experian that the information is accurate, so the item has not changed. '' this information is coming straight from their website. they state that if nothing was changed then the results should say Remains. and if there was a update regarding my letter or not then that's when the results will say Updated. 
WHY DO MY RESULTS SAY UPDATED WHEN NOTHING WAS UPDATED???? this is not even about the incomplete payment history anymore, now this is having to do with experian and their illegal practices and for failure to properly conduct a proper investigation under fcra law. experian is responsible for damages having to do to my credit report, character, and preventing me from applying for new credit opportunities. bottom line if the account was updated then they should be able to provide proof of the updates for my viewing especially when I requested what they updated on two attempts.

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