Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
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:
this complaint is on experian and there non compliance to fix errors that I have brought to there attention on numerous occasions. they claim that the company has verified the reported information as accurate or claim to have update the error. 

XX/XX/XXXX I sent experian a dispute on two accounts. one account XXXX XXXX XXXX  dispute was based on the fact that XXXX and experian are both reporting a different running of reporting expiration period. and the other account XXXX XXXX dispute was based on the fact that experian is not reporting a On Record Until so I dont know the exact expiration period. 

XX/XX/XXXX experian furnished me with results saying the account XXXX XXXX XXXXXXXX  REMAINS but the On Record Until XX/XX/XXXX DOES NOT prove the accuracy of reported information according to the payment history. in fact in the payment history XX/XX/XXXX reports a 60 day late. according the fcra 15 USC 1681c ( c ) Running of Reporting Period congress clearly states that the 7 year period shall begin with respect to any deliquent account, upon the expiration of the 180 day period beginning on the date of the commencement of the deliquency which immediately preceded the charge to profit or similar action. even if this data furnisher has verified that this date XX/XX/XXXX is accurate then what about the payment history? the payment history doesn't prove this date is right. so this data furnisher or experian is verifying the payment history is accurate also which is a lie. 

XX/XX/XXXX experian furnished me with results saying the account XXXX XXXX has been Updated. when I sent my last dispute XX/XX/XXXX it was based on them not reporting a On Record Until. Experian failed to fix this error by not including it in my after results, and instead furnished me with my after results that reports the exact same as the before results. the data furnisher did not even notate a notice of dispute. the comments section still reads under Current " Redeemed Reposession ''. how could experian process my dispute in XX/XX/XXXX without proof that the data furnisher has investigated on their end. 

in conclusion I feel as tho experian is failing to comply by correcting the errors that I have already brought to there attention. experian is in non compliance when it comes to the FCRA regulations and by them failing to comply it is damaging my ability to gain new credit line opportunities. I have done my part as a consumer and I need your authority to force experian to corporate. I've wasted my time and money by sending in my disputes and experian doesn't care about the laws the FTC and FCRA enforces. I am currently in the middle of my home buying experience and experian is causing me to possibly not be able to get my new home loan by failing to comply.i have included copies of the letters sent out on XX/XX/XXXX, my XXXX report from XX/XX/XXXX proving the inconsistent expiration period date on account XXXX XXXX XXXX and copies of the results experian has furnished to me.

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