Consumer complaint received 2022-08-29
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. (CA)

Complaint:
I have the right to a fair credit report that is 100 % accurate and the information being report must be correct. 
In accordance with the Fair Credit Reporting act XXXX the following company has violated my rights. 

Account # XXXX XXXX XXXX XXXXk Account # XXXX XXXX XXXX XXXX FCRA Section 611 ( 15 U.S.C. 1681I ) states inaccurate and non-validated information MUST be deleted from the consumers file in accordance with paragraph ( 5 ) ( A ). 

I come to CFPD as a last resort for help addressing this on going grossly negligent matter. I wrote to the original creditor and all 3 bureaus disputing the accuracy of the improper accounts mentioned above, that is negatively affecting my credit accounts. The accounts are being reported in error. XXXX XXXXXXXX XXXX made an mistake in reporting the account. 

The company and all 3 bureaus named in my complaint claim an investigation verified the debt. Which only matched my name with the accounts above. My dispute is simple. i accept that i was late with my payments and became delinquent due to financial hardship from the effects of XXXX aftermath. However first premier bank emailed me and stated that should i make a payment they would not charge off my account. I made that payment for more than the asking minimum. Then later paid the accounts off in full. I was under the impression the payment would stop my accounts from being charged off. I only discovered the charge-off when i was denied a personal loan. The credit bureaus had the accounts i paid reported as charge off unpaid. After my 3rd dispute the bureaus adjusted the reporting to paid charge off. My complaint is the original creditor misrepresented the facts to the bureaus and continue to provide a false statement. Which the bureaus continue to report inaccurate information. 

The response i received to my complaints from the reporting agencies was to only update the account as " disputed ''. Instead of deleting the inaccurate information. Not once did anyone provide me with anything that proves their claim. To my understanding creditors must provide proof of claim. Nothing provided to me shows the full payments i PAID were not received ( such as a returned check etc ) and therefore the companies would have proved they were not paid and i indeed owe the debt being reported. 

I have included evidence to support my claim. I also included an email that was repeatedly sent to me in error for a person named XXXX XXXX XXXX, an attempt to collect a debt she owed. In spite of me informing the collection company they are sending her collection emails to my personal email account and to correct their records. However they continued to harass me sending multiple emails for the wrong person. I understand errors happen and mistakes can be made, but when errors defamate my credit worthiness, i demand they promptly be corrected. I will continue to dispute this improper reporting until it is deleted.

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