Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I sent a certfied letter to Experian asking they do a complete investigation on the accounts I List below. They responded back shortly stating that it was all verfied 100 %. 
But theres no way that it was verified and it wasnt 100 % accurate. I know that the FCRA states 15 USC 1681 everything has to be % 100 accurate to be reporting on my report. On XX/XX/XXXX I sent another certified letter asking for a reinvestigation due to innacurate information reporting still on my report I asked how did you verify these accounts as accurate? I told them 15 USC 1681 ( S ) ( 2 ) states its the furnishers responsibility to responsibility to be report to cra and its there responsibility to make sure its % 100 accurately reporting on my credit report. 15 USC 1681 section 602 States I have the right to privacy.15 USC 1681 Section 604 Serction 2 states a consumer reortimng agency can not furnish a account without my written instructions. I have been violated and under these grounds there needs to be deletion of accounts I list below. I gave them the account info with the inaccuacies and an opportunity to follow the Law according to the FCRA. 1 week and half later they sent me back " VERIFIED '' NO CHANGES. They didnt even send me a updated report the first time or 2nd timen stating there findings. I totally feel Experian doesnt care about what the FCRA says when it comes to my credit report that is why Im coming to the CFTB . These are the accounts with inaccuracies XXXX # XXXX payment status inaccurate, showing scheduled payment amount on a closed account, no closed date, no last activity date.XXXX XXXX XXXX  XXXX XXXX payment history showing 180 days consecutively, they took payments but never applied to account, they never sent me billing information.XXXX XXXX XXXXXXXX XXXX XXXX pay history inaacurate showing 60,30,30 late reporting.XXXX XXXX XXXXXXXX # XXXX showing closed account but showing scheduled payment amount, no closed date showing, no last activity date showing.XXXX XXXX XXXX XXXX XXXX XXXX XXXX no date last activity. XXXX XXXX XXXX XXXX # XXXX shows charge off amount is diffrent than balance owed amount in unpaid balance section, showing usage, showing credit utilization, IRS states that all chargeoffs are considered gross income 1099 -C therefore shouldnt be on credit report only debt not income should be reporting on report. XXXX XXXX XXXX XXXX # XXXX chargeoff amount is diffrent than balance owed amount, showing credit utilization, showing in pay history XXXX  XXXX, XX/XX/XXXX XXXX  IRS states that chargeoffs are 1099 C considered gross income and shouldnt be on credit report only debt on credit report not income reporting on 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 non-monetary relief