Consumer complaint received 2022-03-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was an victim of identity fraud and have been trying to fix my credit for two years. I hired a credit specialist to help, in XXXX of XXXX, she explained that she will sent out disputes and get them to update all of the inaccurate information which she sent out no response ( XX/XX/XXXX ), she sent out again no response ( XX/XX/XXXX ). So I decided to do it myself, on Experian.com, all of they stated the information was correct ( XX/XX/XXXX ), I tried again the same thing ( XX/XX/XXXX ), and the third time ( XXXX ) they explained I couldn't because the information came back verified. As I was looking over the FCRA Violations I discovered they are violating my rights. I have the right to dispute. Also they are responsible for reporting accurate information in which they are not. Starting with " XXXX XXXX '' XX/XX/XXXX my car was totaled, the insurance did not pay off until XX/XX/XXXX, XXXX contacted me end of XXXX of XXXX and let me know that I needed to pay XXXX I set up a payment plan in XX/XX/XXXX. XXXX then charged off my account with them XXXX of XXXX, which they can not do because it was not 90 day or 180 days. I question them about it and they did nothing so I tried to dispute using this information. XXXX is not reporting any payment details, the last date active is ( XX/XX/XXXX ) and Last payment is ( XX/XX/XXXX ). XXXX  is reporting payment history but inaccurate payment history, the last date active is ( XX/XX/XXXX ) and Last payment is ( XX/XX/XXXX ). This is the icing on the cake XXXX is reporting on time payments, last date active ( XX/XX/XXXX ) and last payment ( XX/XX/XXXX ). This account should be deleted, it is all different information. Next account is XXXX XXXX I settled with them because they would not update! These are the inaccuracies XXXX is reporting an account number XXXX, with a high credit usage of XXXX and last payment ( XX/XX/XXXX ), Experian  is reporting an account number XXXX, no high credit usage, last payment ( XX/XX/XXXX ). XXXX is not reporting the account number at all, high credit usage of ( XXXX ), credit limit is also popping up as XXXX while others are XXXX, last payment ( XX/XX/XXXX ). This account should be DELETED, because there are many inaccuracies that came back as " UPDATED ''. Another account is XXXX XXXX XXXX XXXX XXXX  XXXX is reporting date open as XX/XX/XXXX, high credit usage ( XXXX ), last date reported ( XX/XX/XXXX ), date last active, and last payment ( XX/XX/XXXX ). Experian  is reporting date open ( XX/XX/XXXX ), the date last active ( XX/XX/XXXX ), and last payment ( XX/XX/XXXX ) .XXXX  is reporting date open ( XX/XX/XXXX ), reporting as derogatory ( others reported a PAID ), last reported ( XX/XX/XXXX ), date last active and payment ( XX/XX/XXXX ). This account needs to be deleted also since all credit bureau are reporting differently and my dispute came back as updated. XXXX XXXX is another account in my disputes, XXXX is reporting date open ( XX/XX/XXXX ) with a high credit of ( XXXX ) the date last reported, the date last active and last payment as of ( XX/XX/XXXX ) .Experian is reporting date open ( XX/XX/XXXX ) last payment date, and last active ( XX/XX/XXXX ) .XXXX is reporting last active and last payment ( XX/XX/XXXX ). This account should also be deleted from it inaccuracies. I have a right to dispute incomplete or inaccurate information in my report.Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Violations are Reporting a debt as charged off, when it was settled or paid off, Reporting late payments when your payments were timely, When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. I have suffered from Identity theft, which left my score very poor, and now I am trying to get a better score because I had one in the past and the bureaus doesn't even care enough to investigate after I gave them multiple chances, I have suffered from losing my house loan due to these inaccuracies, I can not even get an apartment because of something I did not do!

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