Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good day! This is in reference to XXXX XXXX. After disputing ( and not agreeing with their findings/ responses ) this account three times with XXXX and Experian ( this is now four times with Experian ), I received XXXX XXXX conclusion of the matter on XX/XX/XXXX ( I will send in an attachment ). They also sent me my information on this account they furnished to the you. In conclusion of the letter it states if there are any inaccuracies with my credit report to deal with that agency, putting the onus on you that you are misreporting the information on my report and their data is accurate. I received your conclusion as well and reviewed the updates you made to the account and the rest you're remaining as verified. Well sadly, my account still reports as Charge off in XX/XX/XXXX, it was in XXXX. Furthermore, now you changed my account so that I received a 90 day late for XX/XX/XXXX. Why are you adding false Derogatory information when that month i paid off the account? You false inaccurate modifications to my credit report is the reason i was denied for credit these past two weeks. I was denied for 2 personal credit cards and a loan ( all pre- approvals thankfully ) that i am well than more qualified for. Comes back from the lenders Experian has me with a recent lateness. This is so frustrating because my account has been wrong from day 1 and im trying to correct it but you keep verifying it as accurate. Then you, i think maliciously ( hopefully accidental ) changed my report because I was persistent to get this account reporting accurately and then removed when your false verifications came coming back. You just made my account ... " accurate '', by your standards but all you did was deny me my consumer rights to seek the credit I needed because of your new fraudulent reporting. It is absolutely damaging to remove accurate information and replace it with false inaccurate information. I would highly assume unlawful when that was your third reinvestigation of this one account. 

The payments I made are still not reflected and you have them notated as {$0.00}. XXXX confirms they furnished this information to you but it still has not been reflected only rejected by you. I understand mistakes happen and I appreciate you trying to initially rectify the situation but your making my inaccurate account even more so then before my opening dispute! You also have me going through all these disputes, you blamed the data reporting on XXXX, they deferred it to you as you are the one reporting this info continuously and falsified it further. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnishers of that information that the information has been modified or deleted from the file of the consumer. Please remove this account from my report, by this law a deletion is well overdue after your three reinvestigations and STILL have not reported the information 100 % accurately, but you have made it worst following your completed investigations. Rectify my credit report and remove this account immediately. Thank you, have a good day!

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