Consumer complaint received 2020-09-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Complaint:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. How was this verified? The high credit or original amount is still reported inaccurately. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please re-investigate and delete this inaccuracy. 
2. The account reports 3 different dates under date of last payment. How is this possible? 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. Otherwise, I demand this inaccurate account be deleted immediately. 
3. The account is a charged-off account and should not have past due amount but this is showing specifically a {$1000.00} as past due. 
XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
4. I am looking at a balance amount of {$1800.00} for this collection account. Sold accounts should have no balance associated with it. 
XXXX XXXX Account Number : XXXX This is clearly unverified. DELETE THIS! 
5. This is a collection account so why is there still a balance listed on my reports for this account? 
XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
6. I am looking at a balance amount of {$240.00} for this collection account. Sold accounts should have no balance associated with it. 
XXXX Account Number : XXXX Delete this inaccurate and unvalidated account IMMEDIATELY. 

FOR Experian 1. How was this verified? The high credit or original amount is still reported inaccurately. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please re-investigate and delete this inaccuracy. 
2. The account reports 3 different dates under date of last payment. How is this possible? 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. Otherwise, I demand this inaccurate account be deleted immediately. 
3. The account is a charged-off account and should not have past due amount but this is showing specifically a {$1000.00} as past due. 
XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
4. I am looking at a balance amount of {$240.00} for this collection account. Sold accounts should have no balance associated with it. 
XXXX XXXX Account Number : XXXX Delete this inaccurate and unvalidated account IMMEDIATELY. 
5. This is a collection account so why is there still a balance listed on my reports for this account? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
6. I am looking at a balance amount of {$1800.00} for this collection account. Sold accounts should have no balance associated with it. 
XXXX XXXX Account Number : XXXX This is clearly unverified. DELETE THIS! 
7. The account is collection account. Therefore, the balance listed should be XXXX ( {$0.00} ). Why do I see {$930.00} instead as balance? 
XXXX Account Number : XXXX If you can not provide verifiable proof, I would like it removed immediately. 

FOR XXXX 1. How was this verified? The high credit or original amount is still reported inaccurately. All information must be accurate, verifiable and consistent to all 3 credit bureaus. 
XXXX Account Number : XXXX Please re-investigate and delete this inaccuracy. 
2. The account reports 3 different dates under date of last payment. How is this possible? 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. Otherwise, I demand this inaccurate account be deleted immediately. 
3. The account is a charged-off account and should not have past due amount but this is showing specifically a {$1000.00} as past due. 
XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
4. I am looking at a balance amount of {$240.00} for this collection account. Sold accounts should have no balance associated with it. 
XXXX XXXX Account Number : XXXX Delete this inaccurate and unvalidated account IMMEDIATELY. 
5. This is a collection account so why is there still a balance listed on my reports for this account? 
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
6. I am looking at a balance amount of {$1800.00} for this collection account. Sold accounts should have no balance associated with it. 
XXXX XXXX Account Number : XXXX This is clearly unverified. DELETE THIS! 
7. The account is collection account. Therefore, the balance listed should be XXXX ( {$0.00} ). Why do I see {$930.00} instead as balance? 
XXXX Account Number : XXXX If you can not provide verifiable proof, I would like it removed immediately

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