Consumer complaint received 2024-02-17 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 XXXX XXXX : This has been disputed 4 times. There is no notice of dispute. XXXX said it was verified on XX/XX/XXXX. I asked for method of verification and non was provided. Delete immediately. 

XXXX XXXX XXXXXXXX : Account status, date opened, date of last activity, and date last reported are all inconsistent. I have asked for validation and it has not been provided. Please provide method of verification for XXXX and investigation procedures. Delete this immediately. 

XXXX XXXX XXXX This account has inconsistent late payment history. It was verified as accurate with XXXX which reports NO Late PAYMENTS on XX/XX/XXXX. Please tell me how late payments are showing for XXXX and Experian? If XXXX is verified. Update payment history to NEVER LATE. 

XXXX XXXXXXXX : This account has inconsistent late payment history. It was verified as accurate with XXXX which reports NO Late PAYMENTS on XX/XX/XXXX. Please tell me how late payments are showing for XXXX and Experian? If XXXX is verified. Update payment history to NEVER LATE. 

XXXX XXXXXXXX : This account has inconsistent late payment history. It was verified as accurate with XXXX which reports NO Late PAYMENTS on XX/XX/XXXX. Please tell me how late payments are showing for XXXX and Experian? If XXXX is verified. Update payment history to NEVER LATE. 

XXXX XXXXXXXX : This account has inconsistent late payment history. It was verified as accurate with XXXX which reports NO Late PAYMENTS on XX/XX/XXXX. Please tell me how late payments are showing for XXXX and Experian? If XXXX is verified. Update payment history to NEVER LATE. 

XXXX XXXX XXXX  open date, high balance, limit, date of last activity, payment history, and date of last payment are all inconsistent. XXXX does not even have the account marked as disputed. Delete immediately. 

XXXX XXXXXXXX : Open date, high balance, limit, date of last activity, payment history, and date of last payment are all inconsistent. THE ACCOUNT HAS NOT BEEN REPORTED SINCE XX/XX/XXXX?!? How has this account been investigated if it has not been reported. There is no notice of dispute entered on account. Delete immediately. 

XXXX XXXX XXXX XXXXXXXX : Open date, high balance, limit, date of last activity, payment history, and date of last payment are all inconsistent. Account rating is derogatory with XXXX and XXXX but paid with Experian. Yet, its verified with XXXX. The date last reported proves this account has not been investigated. There is no notice of dispute. Delete this immediately!!!!! 

XXXX XXXX XXXX : XXXX is reporting open while the other XXXX bureaus report closed. XXXX reports 120 day late payment history for a collection. Date of last activity is inconsistent. I have asked for validation 4 times and received not XXXX piece of mail from XXXX XXXX. Delete this erroneous unverified account. 

XXXX XXXX XXXX : The late payment history is completely inaccurate. It was not late XXXX. Experian reports no late payments for XXXX. Update account to NEVER late. 

XXXX XXXXXXXX : Collection is reporting 120 days late with XXXX. Date of last activity is over 2 years apart. No validation has been provided to me by mail. I have asked for it 4 times. Portfolio recovery can not continue to report if they do not provide validation. It is illegal. Delete this immediately. 

XXXX XXXX : This account has been disputed 4 times. There is no notice of dispute entered on account. Payment history is inaccurate. Open date, terms, date of last activity, and date of last payment are all inconsistent. I have disputed these inconsistencies 3 times since it was last reported in XX/XX/XXXX! The refusal to investigate is a violation of my rights under FCRA! Delete immediately! 

XXXX XXXX XXXX XXXX : I have disputed this collection 4 times. I have asked for validation. The company has not provided me with it. Date of last activity is years apart. I dispute the validity of this debt. It is not mine and needs to be removed immediately. XXXX XXXX XXXX can not continue to report if they do not provide validation. It is illegal. Delete this immediately. 

XXXX XXXX XXXX XXXX : I have asked 4 times for validation. Nothing has been provided. Yet, they continue to report which is a violation under FDCPA. They can not continue to report without providing validation of the debt. Experian reports collection as closed, but XXXX reports as 120 days late with a payment history. Date of last activity are inconsistent. Original creditor is not listed. Delete immediately. 

XXXX XXXX : XXXX reports open, other bureaus report closed. Terms, payment status, date of last activity, and date last reported are inconsistent. I have asked for validation and itemized copies of what they say I owe and they have not provided anything. Delete immediately. 

XXXX XXXX : XXXX reports open, other bureaus report closed. Terms, payment status, date of last activity, and date last reported are inconsistent. I have asked for validation and itemized copies of what they say I owe and they have not provided anything. Delete immediately. 

XXXX XXXX XXXX : HOW HAS THIS ACCOUNT BEEN INVESTIGATED IF IT HAS NOT BEEN REPORTED SINCE XXXX?!! This is a clear violation of 1681i. 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 non-monetary relief