Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
XXXX  XXXX : Account XXXX : I am not an authorized user on this account. I have attempted multiple times to dispute this with the creditor to no avail. Please delete from my credit report. 



XXXX  XXXX : Account XXXX : I was not late on this account. Although I have disputed this account 3 times, there is no notice of dispute entered on account. This needs to be updated to pays as agreed, never late. 



XXXXXXXX XXXX XXXXXXXX XXXX : Account XXXX : After 4 disputes, this creditor has not responded to any of them. I have never been late on this account. I asked XXXX XXXX  for verification and received no response. Please update payment history to pays as agreed, never late. 



XXXX : Account XXXX : This account is reporting 60 days late with Experian but current with the other two bureaus. The payment history is inconsistent across all 3 bureaus. Please update to pays as agreed, never late. 



XXXXXXXX XXXX XXXXXXXX : Account XXXX : This account has never been late. I asked the creditor for the account transactions and did not receive verification. Please update to pays as agreed, never late. 



XXXXXXXX XXXX XXXXXXXX : Account XXXX : This account has never been late. I asked the creditor for the account transactions and did not receive verification. Please update to pays as agreed, never late. 



XXXX XXXX : Account XXXX : This account has never been late. It was deleted from Experian and XXXX although I asked for the payment history to be corrected. Either delete this from XXXX or update payment history to never late. 



XXXX XXXX XXXX  : Account XXXX : XXXX and XXXX both report 1 30-day payment. XXXX reports XXXX as 30 days late, but XXXX reports XXXX as 30 days late. This account has never been late and needs to be updated to pays as agreed, never late. 



XXXX XXXX XXXX : Account XXXX : The payment history is completely inaccurate on this account. I asked the creditor for the complete transaction history. This account payment history is inconsistent across all XXXX bureaus. Please update to pays as agreed, never late. 



XXXX XXXX : Account XXXX : This account has never been late. I disputed directly with the bureaus and creditor, but no correction was made. I asked for methods of validation, but none was provided. Please update to pays as agreed, never late. 



XXXX XXXX XXXX Vacation : Account XXXX : This account has never been late. This needs to be corrected immediately. There has been no notice of dispute entered on account. It has not been investigated. I asked for methods of validation, but did not receive anything back. Please update to pays as agreed, never late. 



XXXX XXXX Credit Card : Account XXXX : I am not an authorized user on this account. I have asked to be removed 4 times. Without permissible purpose, this account is illegally reporting on my credit report. Please delete immediately. 



XXXX : Account XXXX : I have disputed this account 4 times, but no one has fixed the unvalidated error. Please update payment history to pays as agreed, never late. 



XXXX XXXX  : Account XXXX : The payment history on this account is completely inconsistent. There is no notice of dispute entered on account. Update to pays as agreed, never late. 



XXXX XXXX : Account XXXX : This collection is reporting negative payment history. A collection is past due by default. This needs to be deleted immediately. 



XXXXXXXX XXXX XXXXXXXX XXXX : Account XXXX : This account has never been late. The creditor failed to provide verification. The bureaus did not investigate this account. Update to pays as agreed, never late. 



XXXXXXXX XXXX XXXX  XXXX : Account XXXX : This accounts payment status is completely wrong. It is not 90 days late. The date of last payment is incorrect. The date of last activity is wrong. This account needs to be deleted immediately. 



XXXX  : Account XXXX : This account payment history is reporting inconsistently across all XXXX bureaus. The date of last payment is incorrect. There is no notice of dispute entered on account. Update payment history to never late, pays as agreed. 



XXXX XXXX : Account XXXX : This creditor is impossible to contact. I have tried over 4 times. I asked the bureaus for methods of verification but received no response back. This is completely erroneous. Delete this immediately! 



XXXX : Account XXXX : High balance is incorrect. Limit is incorrect. Payment history is inconsistent. Date of last payment is inconsistent. I asked the bureaus for methods of verification, and it was not provided. Delete this erroneous, unvalidated account immediately. 



XXXX XXXX XXXX : Account XXXX : There is no notice of dispute entered on account. Limit is incorrect. High balance is incorrect. Date of last activity is incorrect. Payment history is blatantly incorrect. Date of last payment is incorrect. Delete this 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