Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: VA
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:
Regarding the following complaints which they are all related to one issue of reporting to what happen in the XXXX XXXX account : 1 ) Complaint Number XXXX 2 ) Complaint Number XXXX 3 ) Complaint Number XXXX 4 ) Complaint Number XXXX I filed the above complaints to each of the 3 credit berries and the credit card company, XXXX. I also attached all the neceray documentation to prove what I am complaining about. 
Myself and XXXX, the credit card company we are in agreement on the facts and we do not have any kind of disagreements or confusion of the facts behind my account with XXXX. 
Simple way to say : 1 ) I opened the account with XXXX on XX/XX/XXXX ( please notice the year in every date ). 
2 ) I missed one payment and by XX/XX/XXXX, I paid the balance due of {$410.00} in full ( the payment showed couple of days later on my bank statement on XX/XX/XXXX ). 
3 ) on the same day I paid it in full, XX/XX/XXXX, I requested to close the account on the same day. 
This exactly what happened and what myself and XXXX agreed upon that is the course of the event related to this account. 
Now, it seems that the 3 credit bureaus did not want and do not want to that this is the fact of this matter and that myself and the XXXX cc company in agreement on this fact, so they decided the following : 1 ) that the account has been " CHARGED OFF '' by the XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. It stayed on my record through out XXXX and I was rejected several times but I didnt notice what exactly, or I dint follow up why I have been rejected credit. 
2 ) After I attempt to dispute the report of this account, the following took place : ( A ) XXXX notified me that the information on the report submitted by the XXXX XXXX is correct and that they testify under penalty of law that it is correct ; result : Experien didn't change anything in my report. 
( B ) XXXX  send me a letter that there was an error documenting the XXXX report and instead of the " CHARGR OFF '' being from XX/XX/XXXX till XX/XX/XXXX, now after they checked it out, the 'CHARGE OFF '' is only XX/XX/XXXX and XX/XX/XXXX!! from where they got this information!!!?? I dont know. putting in mind that you can not " CHARGE OFF '' anything after being not existing at all. ( meaning paid off totally and closed account on XX/XX/XXXX!!, so again I called and disputed this fact and they opened another dispute to figure out wha tis going one. still waiting for the result though. 
( C ) I called XXXX and make a dispute, in the beginning they never change anything as a result till I filed a complaint with you here, CFPB. I found out that they did answer me a couple of days ago and stating that XXXX responded and they are going to send me the XXXX response by mail!!!!! they did not say anything about if the info appeared on my report is accurate or not!!!! and I found out that CFPB " closed ' my complaint based on the notification fo the XXXX!!! I dont know till now what is the result because what I know is that. myself and XXXX DO NOT disagree on the facts that I just mentioned herein. They are trying to cover their mistake up, not sure how difficult it is reading XXXX reporting to them!! 
( D ) I received an email from XXXX  stating exactly the fact on the account as I herein stated and they mentioned to call the 3 credit bureaus and complaint. 
I understand that it will take 30 days to answer and in most of the cases they answered the complaint in 15 days or less. 
Please I need your interference in this matter

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