Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I looked at my credit report on XX/XX/XXXX and noticed some inaccuracies and incomplete items on several accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I even underlined all the mistakes to make it easier for the reporting agency. 

These 3 accounts are not complete nor accurate. 

Account 1 Name : XXXX, Account # XXXX Account 2 Name : XXXX XXXX  XXXX, Account # XXXX Account 3 Name : XXXX XXXX XXXXXXXX, Account # XXXX After the investigation of the reporting agency saying everything is " complete and accurate '' I downloaded a new credit report on XX/XX/XXXX and all the mistakes are still there. It seems the reporting agency did nothing, lied, did not make any changes or fix anything and verified nothing. 

My tracking number to Experian using USPS was XXXX which was delivered. 

The mistakes on Account 1 ; XXXX Account XXXX are as follows : XX/XX/XXXX : a ) XXXX Reports High Balance at {$7100.00}, Experian Shows {$0.00}, XXXX did not report. b ) XXXX Last Verified, XX/XX/XXXX, Experian Shows Never, and XXXX did not report c ) XXXX XXXX Date Of last Activity shows XXXX, Experian shows XX/XX/XXXX, XXXX XXXX d ) XXXX  XXXX shows Date Opened XX/XX/XXXX, Experian shows XX/XX/XXXX XXXX XXXX, e ) XXXX  XXXX Date Reported shows XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX XXXX shows Closed Date XX/XX/XXXX, Experian None, XXXX None. XXXX XXXX shows no payment history, Experian shows XXXX  in XXXX and XXXX none. 
XX/XX/XXXX : a ) XXXX XXXX shows High Balance of {$7100.00}, Experian shows {$0.00}, XXXX XXXX b ) XXXX shows Last Verified XX/XX/XXXX, Experian shows none, XXXX none, c ) XXXX XXXX Date of Last Activity shows XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX none, d ) XXXX XXXX shows Date Opened XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX none, XXXX ) XXXX shows Closed Date XX/XX/XXXX, Experian none, and XXXX none. XXXX XXXX Shows No Late Payment history, Experian shows XXXX  starting in XXXX, XXXX none. 

The Mistakes on Account XXXX ; XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Shows : a ) XXXX High Balance {$5600.00}, Experian {$5800.00} and XXXX says {$0.00} b ) XXXX  XXXX Shows Last Verified on XX/XX/XXXX, Experian Never and XXXX Never , c ) XXXX shows Date of Last Activity on XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, d ) XXXX shows Date Reported XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX ) XXXX XXXX XXXX Date Opened XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX ) XXXX shows Balanced owed {$5400.00}, Experian shows {$5800.00}, XXXX {$5800.00}, XXXX ) XXXX shows Payment status current, Experian shows late 60days XXXX late 60days, h ) XXXX shows Payment amount {$180.00}, Experian shows {$180.00}, XXXX {$180.00} XXXX ) XXXX shows Past Due Amount {$0.00}, Experian shows {$360.00}, XXXX {$360.00}, XXXX XXXX shows last payment on XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX XX/XX/XXXX. Two Year Payment History shows everything is 100 % Never late XX/XX/XXXX Shows : a ) XXXX High Balance {$5600.00}, Experian {$6100.00} and XXXX XXXX XXXX  ) XXXX XXXX Shows Last Verified on XX/XX/XXXX, Experian Never and XXXX Never, XXXX   ) XXXX shows Date of Last Activity on XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XXXX, XXXX  ) XXXX shows Date Reported XX/XX/XXXX, Experian XX/XX/XXXX, XXXX none, XXXX XXXX XXXX XXXX shows Date Opened XX/XX/XXXX, Experian shows XX/XX/XXXX, XXXX none, XXXX  ) XXXX shows Balanced owed {$5400.00}, Experian shows {$6100.00}, XXXX none, XXXX  ) XXXX shows Payment status current, Experian shows late XXXX, XXXX  ) tranunion shows Payment amount {$180.00}, Experian shows {$190.00}, XXXX none XXXX  ) XXXX shows Past Due Amount {$0.00}, Experian shows {$740.00}, XXXX none. XXXX XXXX and Experian Two year Payment History state OK, however Payment status above Experian also states late. 

Mistakes on Account XXXX ; XXXXXXXX XXXX XXXXXXXX, Account # XXXX XX/XX/XXXX shows : XXXX  ) XXXX Last Verified shows XX/XX/XXXX, Experian Never, XXXX Never, XXXX  ) XXXX  Date of last activity XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XXXX, XXXX  ) XXXX  Date Reported XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  ) XXXX  Date Opened XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX ) XXXX XXXX Owed {$45000.00}, Experian {$43000.00} XXXX {$43000.00}, XXXX ) XXXX Payment Status shows Current, Experian and XXXX show XXXX late, g ) XXXX Last Payment XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX Past Due Amount {$0.00}, Experian and XXXX show {$970.00} XX/XX/XXXX shows : a ) XXXX Last Verified shows XX/XX/XXXX, Experian Never, XXXX Never, b ) XXXX  Date of last activity XX/XX/XXXX, Experian XX/XX/XXXX, None, c ) XXXX  Date Reported XX/XX/XXXX, Experian XX/XX/XXXX, XXXX none, d ) XXXX  Date Opened XX/XX/XXXX, Experian XX/XX/XXXX, XXXX none, XXXX ) XXXX XXXX Balance Owed {$45000.00}, Experian {$42000.00} XXXX none, f ) XXXX Payment Status shows Current, Experian 30days late XXXX none, g ) XXXX Last Payment XX/XX/XXXX, Experian XX/XX/XXXX, XXXX none, XXXX XXXX XXXX XXXX XXXX {$0.00}, Experian {$640.00} XXXX none As Shown Above, After the Reinvestigation telling me " Everything is Accurate and Complete and Verified '' they did absolutely nothing. If you check my attachments you will see the proof of XXXX and XXXX credit report showing all the inaccuracies. 

I have learned according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I then created a letter asking them how they verified the accounts according to this law : ( 7 ) Description of reinvestigation procedure A Consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15days after receiving a request from the consumer for that description. 

But they did not answer as well either, because they know they did not change anything or make anything accurate or verify anything. 

Can you please help me with this matter, it is ruining my credit.