Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: SC
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:
I disputed the incorrect information on my credit report with XXXX, Experian, and XXXX. I have included in my letters to them a copy of my ID, a copy of a bill and the last 4 digits of my ssn and DOB.  each of these companies failed to investigate my complaint, Experian sent me a letter stating they can not identify me or that the information was not legible. This is not true. For 120 days. XXXX  and XXXX  just has not responded at all. I have a credit monitoring program that I pay for and it simply says " account not disputed '' this is wrong and should be against the law. It is wrong to know you have information on your report that is wrong or does not belong to you and these companies just flat out do nothing about it when you contact them. So for 1. They did not respond to my investigation 4 times, that's 120 days. I sent out 4 letters placing 30-35 days between each as the website suggests. 

XXXX sent me a letter saying that they could not even locate my file and i may not have an XXXX file. 

Experian in XXXX after i wrote a letter to disputing the information on my file. I asked for a copy of my updated report. They sent me a copy of my credit report. However they did not investigate my dispute and the inaccurate information is still there. This was in XX/XX/2020 I also sent a letter to each of the companies below asking them to validate the alleged debt that they say I owe XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  I received an unable to deliver notice back from USPS stating that XXXX address was vacant. 

I received a letter from XXXX  XXXX stating that they were unable to verify the acct I did not receive any correspondence back from any of the other companies listed above when i asked for them to validate the alleged debt they say i owe. so if they did not validate the debt to me how come or how can they validate the alleged debt to the credit bureaus every single month? I just don't understand. 

SO you see it is more than just these companies not complying with the investigation request. They also violated some laws. After my first initial investigation request i looked into the The Fair credit reporting Act that say the reporting agencies are supposed to enter a notice of dispute into your credit report after you disputed. I will also upload screenshots of the information given to me by a credit monitoring service i use and is shows that neither company entered in the notice of dispute. nor did they contact any of the companies that report this information to my report and ask them to validate the information. To be honest Now after almost 135 days I dont even think XXXX, XXXX  or Experian verified the accuracy of any of this information before the placed these derogatory marks on my report. If they did then the fair credit reporting act says that we as consumers have a right to request that information. Their failure to properly investigate has caused me a lot of embarrassment, higher interest rates and is downright unfair. 

Also in the screenshot below you will see that XXXX XXXX and XXXX XXXX has the same acct numbers ( just changed a little ) and all the info is different. 
also XXXX and XXXX XXXX  from XXXX  has the same exact price {$4000.00} saying that the acct XXXX was paid but also being 30days late. it also says the payment status is current? 

Then the same comapny XXXX XXXX has a different acct number XXXX with the same balance of {$470.00} saying the acct was sold or transferred. If that was true then why is the same comapny reporting it? how could the payment status be current? Where is the company it was sold to? why aren't they reporting it? why does it say previously that it was paid and closed? Where are the account records to show that an late payments occurred? is there a voided check or transaction history someone can provide to me? because from my knowledge this acct was never late and never ever went into collections. and why does it say collection and chargeoff?

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