Consumer complaint received 2024-09-07 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: LA

Complaint narrative:
XXXXXXXX XXXX Account Number : XXXX I have never been late on this account, despite the company claiming otherwise. I have submitted proof that Ive always made my payments on time, but the company has ignored my evidence. Additionally, how can the company report me as late in XX/XX/year>, but not in the previous month or the following month? All other months show on-time payments. This discrepancy needs to be properly investigated. This account needs to reflect on-time payments only, as I have never been late. Please update and correct this information accordingly. 

XXXX Account XXXX : XXXX This account was never properly investigated, as there are no remarks on my credit report indicating that the bureau ever conducted an investigation, yet the information was marked as 'verified. ' How could you verify something that was never investigated? I request that this account be thoroughly investigated. If you can not verify this account, I ask that it be removed from my credit report immediately. 

XXXX XXXX Account Number : XXXX This account is showing as a charge-off but is still reflecting a balance, which constitutes a violation. Furthermore, this account was never investigated after I requested proof of its accurate reporting and validation of the debt. I have not received any response to my request for validation. I request that this issue be addressed immediately. 

I am requesting validation and verification for each account listed below. If your company or the original creditor can not provide verification or burden of proof, I request that these accounts be removed from my credit report immediately. Additionally, please remove any personal information that is outdated, old, or inaccurately reported from my credit report as well. 

Additional Accounts Listed Below : XXXX XXXX, XXXX XXXX Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX NCA ( Original Creditor : XXXX SPEEDYCASH XXXX / Account Number : XXXX If a company is claiming that I was late on payments, please provide proof of where and when these late payments occurred. I request a complete list of my payments and transaction history, including the date when I first became delinquent. If you are unable to provide this information, I ask that any and all late payments be removed from my credit report. 

Furthermore, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate the bureaus ' failure to properly investigate these accounts. It is crucial that the CFPB takes appropriate action to ensure compliance with investigation requirements and address these reporting discrepancies. 

Thank you for your attention to this matter.

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 non-monetary relief