Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: MA
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:
Dear XXXX  ; XXXX and Experian ; ***SEE ATTACHMENT PLEASE*** I'm a very concerned consumer here! I am actually shocked about the validity & accuracy of your recent investigation of this account that is reporting on my credit report from XXXX XXXX of being late on XXXX XXXX and XXXX XXXX. Last month I requested an investigation because I felt as though the item was not being reported legally and completely. Couple of days ago I received a letter stating that your investigation was complete, and you've determined that the account is reporting accurately. Basically, saying that it's accurately is a binding contract that you've conducted a thorough investigation and that can be perjury to the law. Look at the attachment for example, and you will see missed Credit Limit, inconsistent payment history and account status, incorrect and incomplete information on OPENED DATE, and 3 different dates for last payment ; and according to the recent report, it looks like that on XX/XX/XXXX XXXX said that i was OK with the payment, but however, XXXX and Experian said that i was late. How are these factors and dates incorrect and inconsistent across the board. Can not be late but yet be on-time? 

Please explain to me how you conducted your investigation? 
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as itlegally should be reported? 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
What did it cost your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove thatyou have in fact conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency Provide the SPECIFIC date reporting that these items will cease Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
If yes to above : Who did you speak to? 
On what date? 
How long was the conversation? 
What was their position? 
What telephone number did you call? 
What is the name of the employee of your company that spoke directly to the above party? 
What is the position of the employee of your company that spoke directly to the above party? 
How long has that employee been employed by your company? 
What formal training was provided to this employee to investigate items of this kind? 
Was there any e-mail or written communication between members of your company and the above party? 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

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