Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: CA
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 sent in the below letter to Experian explaining to them the other 2 credit bureaus removed the inaccurate information, yet they are the only ones still reporting this information as valid. I've mailed them twice, once in XXXX and again XX/XX/XXXX ( I also faxed it XX/XX/XXXX ) Today ( XXXX ) I received an update on my XXXX dispute stating the balance on the account has been verified by XXXX. XXXX has the account listed as a {$200.00} balance, yet stated they written off {$200.00}. The balance should be {$0.00} if they've written off {$200.00}. 

Not only that, they haven't respond to my other complaints for that account. The account number is inaccurate, date opened is inaccurate, the account type is inaccurate, balance is inaccurate, the terms is inaccurate, etc. 

I provided them with the bill that I received and paid a month prior that verified when I opened my account and the account terms. 

Dear Experian I really need your help because at this point I dont know where to turn. I've been researching credit repair and I've been looking into ways to improve my credit. While researching I found out about FCRA and my rights as a consumer. I've also been reading books, researching, and going over my report and I've found quite a few inacuricies. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : XXXX XXXX XXXXThe date they've listed as my last payment, is completely wrong. I have proof from XXXX and XXXX that my last payment was in XXXX and I paid DOUBLE my monthly payment. Also Experian says my charge off was XX/XX/XXXX in the payment history, and shows my last payment was XX/XX/XXXX for payment history, but in account history it fails to show payments during XXXX ( which I made ) XX/XX/XXXX is labeled as no data for payment. XXXX aren't recorded at all under account history. And, everything from XXXX is recorded as no data under account history. And, my last payment was the beginning of XXXX, and they somehow managed to leave that info from you guys, but they reported to Experian my last payment was the end of XXXX for {$1500.00}. ( which I have proof of ) The account balance jumped from {$12000.00} XX/XX/XXXX and went down to {$10000.00} XX/XX/XXXX, yet they are saying I made no payments in between? Yet my account balance went down? And, they conveniently didn't report from XX/XX/XXXX to XX/XX/XXXX. ALL of this is wrong and is why the other bureaus deleted this account. 
There should be a zero balance. This was a charge off and they claimed a loss, and wrote off {$14000.00} but are stating I have a past due balance, this should be a {$0.00} balance. 
The high balance is incorrect. 

XXXX XXXXThe reported balance is inaccurate. There should be a zero balance. This was a charge off and they claimed a loss, but are stating I have a past due balance, this should be a {$0.00} balance. 
Date account opened is inaccurate. I've attached the original email of my contract with XXXX which states I opened it XX/XX/XXXX. 
The account type detail is inaccurate. Putting " unknown '' is not 100 % accurate. How are the reporting that this account is accurate if they don't even know what the account type is? Everything put on my account must be 100 % accurate or this account must be removed. 

XXXX The date of my last payment is inaccurate. They have not reported my payment hustory, nor submitted any data in the last 5 years yeat they are claiming that my last payment was in XXXX. 
My payment history is reporting inaccurately, as well as the date of my deliquency. The reported no data from XX/XX/XXXX-XX/XX/XXXX, how are they validating my last payment or my payment history if they arent actually reporting the info? 
The reported high balance is inaccurate. 
The account type is inaccurate, this was not a charge card as stated on this report. 

For some reason your company did not remove these items. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and Im starting to get upset b/c I really do care about my credit. And, I'm saving to buy a house, but these inaccurate reports will mess up my chances. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, I understand each bureau is different, but you guys never verified the information and I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. I dont want to do that but I will if I have to as I know the information is inaccurate. And, by law, everything on my account must report 100 % accurately. These accounts, do NOT! 
Please check with the furnisher and fix this problem. 

Sincerely, P.S. 
I've added my licenese, bill to verify my address, and my current credit report pulled from XXXX to prove the other bureaus deleted these same accounts for these same reasons.

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