Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

This complaint is against XXXX and Experian. XXXX continues to report re-aged accounts to the consumer reporting agencies even after they confirmed ( 11 ) US Dept of Education accounts should be deleted from my consumer report via Complaint # XXXXA furnisher 's duty to investigate a consumer 's dispute is governed by 15 USC 1681s-2 ( b ) of the FCRA.Experian refuses to conduct a reasonable investigation and has made a decision to maintain inaccurate information on my consumer report even after being presented with evidence that the information should be removed. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I made a CFPB complaint against XXXX on XX/XX/XXXX ( Complaint # XXXX ) regarding ( 11 ) re-aged accounts reflecting on my consumer report. XXXX responded to the complaint stating it would remove the ( 11 ) accounts and asked that I give the consumer reporting agencies sufficient time to update my reports. It has been 9 months, no update has been made to XXXX, Experian, or XXXX 's consumer report. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -The consumer reporting agencies all RECEIVED my dispute on XX/XX/XXXX. I disputed ( 11 ) US Dept of Education accounts and attached the CFPB correspondence as evidence. Today, XX/XX/XXXX I received an email notification that my Experian results were in. ( I was impressed at how swift their investigation was ) My US Dept of Education accounts were all in a " processed '' status via the results. I contacted the dispute department to get an understanding of what that status meant. I was informed that in my case, " processed '' meant " updated '' and not removed from my consumer report. The original creditor, XXXX, responded to the dispute stating the accounts should remain. I spoke with three different representatives ( XXXX or XXXX, XXXX, & XXXX XXXX ) -- I inquired as to why the accounts were to remain when I sent a copy of the CFPB complaint which states the accounts should be removed. All three representatives informed me that they could not locate the documents. I mailed ( 1 ) package, notarized, and sent it certified mail on XX/XX/XXXX. I asked XXXX XXXX, how could Experian make a fair judgement on my investigation if my evidence was lost? And, why wasn't I notified? It is very apparent that this consumer reporting agency made their decision to continue reporting inaccurate data because this is the practice that pays them. And, many consumers like myself are just collateral damage. Let 's not forget, the only reason we are discussing this issue is because Experian has allowed this account to report 3 EXTRA years after it should have beenpurged. So, to add insult to injury, they " lost '' my evidence and wrapped up their investigation within ( 4 ) days, only taking into consideration what thecreditor falsely reported as accurate. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I will no longer accept excuses from XXXX or Experian, if these accounts are not removed from my consumer report immediately I will proceed with legal action.