Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: PA
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 have a closed c/o with XXXX  XXXX  listed on my experian credit report. I have disputed the account well over 5 times in the year with dispute, i've listed multiple issues with the account and inaccurate information listed on my report. After filing a complaint against XXXX XXXX with cfpb on XX/XX/XXXX, the issuing bank XXXX  XXXX  sent me a letter dated XX/XX/XXXX claiming the account correct and valid. using the letter XXXX  XXXX  sent and information listed in said letter, I disputed the XXXX XXXX account with experian again on XX/XX/XXXX and disputed almost all information listed for the account on my experian credit report. using the account information that XXXX  XXXX  provided the following errors are listed on the account for XXXX  XXXX  that experian updated on XX/XX/XXXX as verified from XXXX   XXXX. 

CR= Experian credit report. 
LTR= XXXX XXXX  letter acct open date. 
CR-XX/XX/XXXX LTR- XX/XX/XXXX Payments CR-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX LTR- No payments ever. 

Late payment dates CR- 30 day XX/XX/XXXX, 60 day XX/XX/XXXX, 90 day XX/XX/XXXX LTR- XXXX XXXX claims no payments ever, lists account as opened XX/XX/XXXX more than 90 days before first listed missed payment. 

Charge off CR- c/o list in XXXX LTR- XXXX XXXX lists c/o XX/XX/XXXX then lists account sold to DC on XX/XX/XXXX and then reports c/o after account is sold in XX/XX/XXXX. 

XXXX  XXXX  in their own letter lists an application for installment loan account as approved on XX/XX/XXXX, but not opened until XX/XX/XXXX. 

the account for XXXX XXXX is still currently listed on all 3 of my credit reporting agencies, almost no information is listed correctly on any of the 3 and all 3 have various missing information. 
experian lists on the account last update from XXXX XXXX as XX/XX/XXXX, dispute sending me numerous alerts about the account information being updated from XXXX  XXXX. 

The letter that XXXX  XXXX  sent to me about the account, in their own words claim as accurate reported information directly contradicts what experian claims as accurate infomation listed on my experian credit report. 

at this point the online experian dispute center give not updates for my disputes since XX/XX/XXXX and all email dispute updates I'm sent open into an error message. leaving me being told my disputes are updated and that information for the account has been updated. viewing my current experian report on experians web site along with a purchased report from XXXX on XX/XX/XXXX. no corrected information found account information listed same as the beginning of XX/XX/XXXX. all information appearing to be listed in error when compared to XXXX  XXXX letter listing their accurate information about the account still listed on experian report unchanged as of- XXXX ; XX/XX/XXXX

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