Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have asked the bureaus to update my address to XXXX XXXX XXXX. XXXX XXXX, TX XXXX have asked them to remove all other addresses and all other invalid information from the " Previous Address '' fields. See report. They have FAILED to do so. 

Here are the accounts disputed and reasons I feel they should be DELETED ASAP listed below. Remember, I have been disputing these items for over 1 year to no avail. 

XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS XXXX  XX/XX/XXXX, EXPERIAN XX/XX/XXXX, XXXX  XX/XX/XXXX THE ACOUNT IS REPORTING INVALID LATE PAYMENTS. THE 2 YEAR PAYMENT HISTORY GOES FROM OK TO 90 DAYS. THIS CANT BE CORRECT. THE BUREAUS STATE THE DISPUTE WAS RESOLVED. LOOK AT MY CREDIT REPORT. THE OBVIOUS ERRORS ARE STILL THERE. 

XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS. THE DATES SHOULD ALL BE THE SAME. 
XXXX  XX/XX/XXXX, EXPERIAN XX/XX/XXXX, XXXX  XX/XX/XXXX DATE OPENED IS DIFFERENT, DATE OF LAST PAYMENT IS DIFFERENT. 
THE 2 YEAR PAYMENT HISTORY IS DIFFERENT FOR ALL 3 BUREAUS. 

XXXX XXXX XXXX LISTED AS A COLLECTION/CHARGEOFF. THE STATUS STATES MEETS FCRA REQUIREMENTS. 
HOW CAN THIS BE WHEN THERE IS A PAST DUE AMOUNT OF {$690.00}. A CHARGEOFF SHOULD NOT HAVE A PAST DUE BALANCE. 
DATE OPENED/LAST PAYMENT IS DIFFERENT ON ALL 3 BUREAUS. 
DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS. THE DATES SHOULD ALL BE THE SAME. 
XXXX  XX/XX/XXXX, EXPERIAN XX/XX/XXXX, XXXX XX/XX/XXXX THE 2 YEAR PAYMENT HISTORY IS DIFFERENT ON ALL 3 BUREAUS. 

XXXX XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON ALL XXXX BUREAUS. 
XXXX  XX/XX/XXXX, EXPERIAN XX/XX/XXXX, XXXX  XX/XX/XXXX THE ACCOUNT IS LISTED AS A COLLECTION/CHARGE OFF BUT THERE IS ALSO A PAST DUE BALANCE IN THE AMOUNT OF {$340.00}. A CHARGE OFF SHOULD NOT HAVE A PAST DUE BALANCE. 
DATE OPENED AND DATE OF LAST PAYMENT IS DIFFERENT ON ALL 3 BUREAUS. 
THE 2 YEAR PAYMENT HISTORY IS DIFFERENT ON ALL 3 BUREAUS. 

XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS. 
XXXX  XX/XX/XXXX, EXPERIAN XX/XX/XXXX, XXXX XX/XX/XXXX THE ACCOUNT IS LISTED AS A COLLECTION/CHARGE OFF BUT THERE IS ALSO A PAST DUE BALANCE IN THE AMOUNT OF {$1100.00}. A CHARGE OFF SHOULD NOT HAVE A PAST DUE BALANCE. 
DATE OPENED AND DATE OF LAST PAYMENT IS DIFFERENT ON SOME BUREAUS. 
THE 2 YEAR PAYMENT HISTORY IS DIFFERENT ON ALL 3 BUREAUS. 

XXXX  ( Original Creditor : XXXX XXXX XXXX PA XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON 2 BUREAUS. 
XXXX  XX/XX/XXXX, EXPERIAN XX/XX/XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON 2 BUREAUS. 
EXPERIAN XX/XX/XXXX, EQUIFAX XX/XX/XXXX ( Original Creditor : ) XXXX THIS ACCOUNT DOES NOT STATE WHO THE ORIGINAL CREDITOR IS. IT IS AN UNKNOWN COLLECTION AND NEEDES TO BE REMOVED. 

( Original Creditor : ) XXXX THIS ACCOUNT DOES NOT STATE WHO THE ORIGINAL CREDITOR IS. IT IS AN UNKNOWN COLLECTION AND NEEDES TO BE REMOVED. 

( Original Creditor : ) XXXX THIS ACCOUNT DOES NOT STATE WHO THE ORIGINAL CREDITOR IS. IT IS AN UNKNOWN COLLECTION AND NEEDES TO BE REMOVED. 

XXXX XXXX XXXX XXXX THE ACCOUNT IS LISTED AS A COLLECTION/CHARGE OFF BUT THERE IS ALSO A PAST DUE BALANCE IN THE AMOUNT OF {$650.00}. A CHARGE OFF SHOULD NOT HAVE A PAST DUE BALANCE. 

XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON 2 BUREAUS. 
XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX THE ACCOUNT IS LISTED AS A COLLECTION/CHARGE OFF BUT THERE IS ALSO A PAST DUE BALANCE IN THE AMOUNT OF {$1300.00}. A CHARGE OFF SHOULD NOT HAVE A PAST DUE BALANCE. 
DATE OPENED IS DIFFERENT ON 2 BUREAUS. 

XXXX XXXX XXXX XXXX CREDIT SHOWS {$480.00} ON XXXX  XXXX {$0.00} ON EXPERIAN AND {$460.00} ON XXXX  XXXX THIS SHOULD BE THE SAME ON ALL 3 BUREAUS. 
DATE LAST ACTIVE IS DIFFERENT ON 2 BUREAUS. 
XXXX  XX/XX/XXXX, EXPERIAN XX/XX/XXXX THE 2 YEAR PAYMENT HISTORY DOES NOT MATCH AND IT IS STILL REPORTING YEARS AFTER THE ACCOUNT SHOWS CLOSED. SEE ATTATCHMENT. 

XXXX FI XXXX THE ACCOUNT IS LISTED AS A COLLECTION/CHARGE OFF BUT THERE IS ALSO A PAST DUE BALANCE IN THE AMOUNT OF {$350.00}. A CHARGE OFF SHOULD NOT HAVE A PAST DUE BALANCE. 

XXXX XXXX XXXX DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS. 
XXXX  XX/XX/XXXX, EXPERIAN XX/XX/XXXX, XXXX XX/XX/XXXX THE ACCOUNT IS LISTED AS A COLLECTION/CHARGE OFF BUT HAS CONTINUED TO REPORT YEARS AFTER THE CLOSE DATE. 
DATE OPENED AND DATE OF LAST PAYMENT IS DIFFERENT ON SOME BUREAUS. 
THE 2 YEAR PAYMENT HISTORY IS DIFFERENT ON ALL XXXX BUREAUS. THE ACCOUNT CONTINUES TO REPORT LATE YEARS AFTER THE CLOSE DATE. 

XXXX XXXX  XXXX DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS. 
XXXX  XX/XX/XXXX, EXPERIAN XX/XX/XXXX, XXXX  XX/XX/XXXX DATE OPENED AND DATE OF LAST PAYMENT IS DIFFERENT ON SOME BUREAUS. 
THE 2 YEAR PAYMENT HISTORY IS DIFFERENT ON AT LEAST 2 BUREAUS. THE ACCOUNT CONTINUES TO REPORT LATE YEARS AFTER THE CLOSE DATE. 


XXXX  XXXX LISTED AS A COLLECTION/CHARGEOFF. 
HOW CAN THIS BE WHEN THERE IS A PAST DUE AMOUNT OF {$1500.00}. A CHARGEOFF SHOULD NOT HAVE A PAST DUE BALANCE. 
DATE OPENED/LAST PAYMENT IS DIFFERENT ON AT LEAST 2 BUREAUS. 
DATE LAST ACTIVE IS DIFFERENT ON ALL 3 BUREAUS. THE DATES SHOULD ALL BE THE SAME. 
XXXX  XX/XX/XXXX, EXPERIAN XX/XX/XXXX, XXXX  XX/XX/XXXX THE 2 YEAR PAYMENT HISTORY IS DIFFERENT ON ALL 3 BUREAUS. 
THE BALANCE SHOWS {$1500.00} AND THE HIGH CREDIT SHOWS {$1300.00} ON XXXX  AND EXPERIAN. THE HIGH CREDIT SHOULD NOT BE LOWER THAN THE BALANCE. 

Chapter XXXX Bankruptcy DATE FILED IS DIFFERENT ON AT LEAST 2 BUREAS XXXX  XXXX  EXPERIAN XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EACH BUREAU SHOULD REPORT THE NAME OF THE COURT FOLLOWED BY THE CITY AND STATE XXXX  SHOWS- U.S. Bankruptcy Court , XXXX  SHOW-US BKPT CT TX XXXX XXXX EQUIFAX SHOWS- Federal EVERYTHING LISTED ABOVE SHOW CLEAR ERRORS THAT SHOULD HAVE BEEN ADDRESSED OVER A YEAR AGO. I WOULD LIKE ALL ITEMS LISTED ABOVE DELETED FROM MY REPORT AND A NEW REPORT SENT TO ME FROM THE BUREAUS. I SHOULD NOT HAVE TO TELL THE BUREAUS OF THE VIOLATIONS. I NEED YOUR HELP ENSURING THAT THESE ITEMS ARE REMOVED.