Consumer complaint received 2022-01-20
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.

Complaint:
XX/XX/XXXX I sent a Dispute letter requesting verification of debts to Experian XXXX and XXXX After 45 to 60 Days I received a response stating the debts had been verified. My initial concern was the fact that each Bureau is reporting different information regarding the same accounts. The accounts can not be verified as accurate if each Bureau is reporting something different XX/XX/XXXX I sent letters asking how debt was verified because all information is conflicting with other Bureaus I never received a response XX/XX/XXXX I sent dispute asking for proper verification/ I received a response only stating accounts had been verified but no action taken to get the information updated correctly in my credit file. 

XX/XX/XXXX I sent another dispute letter // no response no action The following is the inaccurate information on my credit file and how.. such items should be removed because they are inaccurate and by law only accurate information is to be in a persons credit file 1 ) XXXX XXXX XXXX partial acct # XXXX the date reported is inaccurate / date of last activity is inaccurate/ date opened is inaccurate and date of last payment is inaccurate 2 ) XXXX XXXX partial acct # XXXX the date of last activity is inaccurate// balance owed is inaccurate// the date opened is inaccurate/ the information is different for each Credit Bureau 3 ) XXXX XXXX partial Acct # XXXX the date opened is inaccurate and changed in effort to keep reporting past the statue of limitations/// the account status is inaccurately reporting as opened when it is closed please note this is the same as XXXX XXXX XXXX so account is on my credit reports twice 4 ) XXXX Acct # XXXX account status is inaccurate it is showing as opened when it has been paid in full and closed out ... the date reported is inaccurate and the date opened is inaccurate showing different dates for each Credit Bureau on the same account 5 ) Credit Collection with partial acct XXXX XXXX was placed on my credit file with no prior letters being sent out/// this account has since been paid in full but should never have been reporting on my credit /// it also contains inaccurate information the date opened is different for each Credit Bureau// the date of last activity is different for each credit reporting Bureau.. 

6 ) XXXX XXXX partial acct # XXXX again was placed on credit profile without giving a chance to pay with no 5 day notification prior to putting on my credit report. credit is inaccurately reporting different information to each credit Bureau XXXX inaccurate date of last activity inaccurate date of last payment. 

7 ) XXXX XXXX XXXX partial account # XXXX date of last activity is inaccurate// date reported is inaccurate /// this is a closed account yet showing open and showing lates 8 ) XXXX XXXX  partial account XXXX XXXX inaccurate amount of times late // is reporting different information to each Bureau/ showing 90 days late with no 30 or 60 the late payments should not be on this account because XXXX XXXX  authorized hardship exstentions on payment By Law only accurate information is allowed to be reported but Experian XXXX and XXXX are reporting inaccurate information that is varying between them and then refusing to correct it or remove it when brought to there attention. at this point I am requesting that the above inaccurate accounts be removed from my credit profile.

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