Consumer complaint received 2024-04-02
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. (OH)

Experian and XXXX You have certified to me that The accounts are accurate and comply, with the fair credit reporting act after another one of my disputes in XX/XX/XXXX. However, after looking over my consumer report again you have stated that nothing has changed as a result of the re-investigation. how is the account in compliance with the fair credit reporting act, if there are still several inaccuracies? on account number XXXX I have found the same XXXX inaccuracies. XXXX ) under Account Info no data is entered for a recent or monthly payments, and also for highest balance. XXXX ) the balance is reporting as {$290.00} but the original balance is {$260.00}, there is no data entered that shows how the balance changed from {$260.00} to {$290.00}. 
XXXX ) the payment history guide does not match up with the balance histories because the payment history reports 30 days past due as of XX/XX/XXXX, but the balance history has no data entered for the year of XXXX up until XX/XX/XXXX. 
XXXX ) there is no data entered for scheduled payments instead, it just reports as {$0.00} repeatedly if the scheduled payments were {$0.00} each month and {$0.00} was paid each month then how could the account possibly be reported in the payment history as XXXX to 90 days late and then proceed to go into a charged-off status? And if the scheduled payments were always {$0.00} and the amounts paid were always {$0.00}, how is the balance reporting as {$290.00} if the scheduled payments are always {$0.00} each month? The balance and payment history still does not accurately, reflect the scheduled payments or the amounts paid. 
XXXX ) the Terms of the account state 12 months but does not exactly explain what are the terms of that 12 months. XXXX ) no data is entered in payment history from the date the account opened on XX/XX/XXXX up until XX/XX/XXXX. 

The same or similar in accuracies, are found on account number XXXX. XXXX ) no data is entered in the payment and balance histories from the date The account opened on XX/XX/XXXX up until XX/XX/XXXX XXXX ) the original balance of the account was {$130.00} but there is no data entered to show how the balance changed from {$130.00} to {$63.00}. XXXX ) the account reports 30 days past due as of XX/XX/XXXX, but the balance history has no data entered for the entire year of XXXX. XXXX ) there is no data entered for scheduled payments. instead as mentioned above, it continuously reports as {$0.00} for each month. How can the account possibly be in a negative status if the scheduled payments were always {$0.00}? 
XXXX ) as mentioned above for the other account, the terms of this account is also not complete or accurate. XXXX ) no data is entered from the date of the account opened on XX/XX/XXXX up until XX/XX/XXXX in the payment history. XXXX ) the payment history reports terms met/current for the month of XX/XX/XXXX through XX/XX/XXXX, however, the balance history has no data entered for the entire year of XXXX. 

these inaccuracies in the accounts listed above has severely damaged me. You have failed to update the inaccuracies, even after several disputes, you have even stated that after processing my disputes everything has remained unchanged. I am requesting again that you delete both accounts for your failure to update the inaccuracies. The account is still not in compliance with the fair credit reporting act.