Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Credit Reporting Agency : : I do not agree to E-Oscar verification. My credit report shows numerous inaccuracies on several accounts. Under the FCRA I am entitled to a fair and accurate credit report. The inaccuracies are as follows. 

XXXX XXXX : Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on Experian is XX/XX/XXXX. Times 30/60/90 days late is listed as 0/0/0 on XXXX, Times 30/60/90 days late is listed as 1/1/4 on XXXX, Times 30/60/90 days late is listed as 1/1/4 on Experian. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 84 months on Experian. XXXX has a high balance of {$7400.00} listed and XXXX and Experian high balance is blank. The payment history listed on XXXX is listed as no history available. The payment history on XXXX indicates youve made 0 % of payments for this account on time. The Experian payment history indicates youve made 39 % of payments for this account on time. 

XXXX XXXX : Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on Experian is XX/XX/XXXX. Remarks listed on XXXX state Account closed by credit grantor. Remarks listed on XXXX state Charged off account. Remarks on Experian state Unpaid Balance reported as a loss by credit grantor, Account closed at credit grantors request. Times 30/60/90 days late is listed as 0/0/0 on XXXX, Times 30/60/90 days late is listed as 1/1/3 on XXXX, Times 30/60/90 days late is listed as 1/1/3 on Experian. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 84 months on Experian. XXXX has a high balance of {$5300.00} listed, XXXX has a high balance of {$5200.00}, and Experian has a high balance that is blank. The payment history listed on XXXX is listed as no history available. The payment history on XXXX indicates youve made 0 % of payments for this account on time. The Experian payment history indicates youve made 38 % of payments for this account on time. 

XXXX XXXX XXXX : The partial account number listed on XXXX, XXXX, and Experian are all different. Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on Experian is XX/XX/XXXX. Remarks listed on XXXX state Account information disputed by consumer. There are no remarks listed on XXXX. Remarks on Experian state Unpaid Balance reported as a loss by credit grantor. Times 30/60/90 days late is listed as 0/0/0 on XXXX, Times 30/60/90 days late is listed as 1/1/5 on XXXX, and Times 30/60/90 days late is listed as 1/1/5 on Experian. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 84 months on Experian. XXXX has a high balance of {$6600.00} listed, XXXX has a blank high balance, and Experian has a high balance that is blank. The payment history listed on XXXX is listed as no history available. The payment history on XXXX indicates youve made 0 % of payments for this account on time. The Experian payment history indicates youve made 37 % of payments for this account on time. 

XXXX XXXX XXXX : The partial account number listed on XXXX, XXXX, and Experian are all different. Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on Experian is XX/XX/XXXX. Remarks listed on XXXX state Account information disputed by consumer. There are no remarks listed on XXXX. Remarks on Experian state Unpaid Balance reported as a loss by credit grantor. Times 30/60/90 days late is listed as 0/0/0 on XXXX, Times 30/60/90 days late is listed as 1/1/4 on XXXX, and Times 30/60/90 days late is listed as 1/1/4 on Experian. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 79 months on Experian. XXXX has a high balance of {$3000.00} listed, XXXX has a blank high balance, and Experian has a high balance that is blank. The payment history listed on XXXX is listed as no history available. The payment history on XXXX indicates youve made 0 % of payments for this account on time. The Experian payment history indicates youve made 34 % of payments for this account on time. 

XXXX XXXX XXXX XXXX : All the account information is missing from the XXXX report. There is no Last Activity Date listed on XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on Experian is XX/XX/XXXX. There are no months reviewed listed on XXXX, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 47 months on Experian. XXXX does not have a high balance listed, XXXX has a high balance of {$10000.00}, and Experian has a high balance of {$10000.00}. XXXX does not have a current payment status listed, XXXX list the current payment status as 90 days late, and Experian list the current payment status as as agreed. 

XXXX XXXX XXXX XXXX : Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on Experian is XX/XX/XXXX. XXXX list the account type as Real Estate Mortgage, XXXX list the account type as Conventional real estate mortgage, and Experian list the account type as Real Estate Mortgage. Remarks listed on XXXX state settled less than full balance. Remarks listed on XXXX state Amount paid for less than the full balance. Remarks on Experian state account legally paid in full for less than the full balance. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 25 months on Experian. XXXX term count is listed as 0, XXXX term count is listed as 0, and Experian term count is listed as 360. XXXX has a current payment history status of as agreed. XXXX has a current payment status of as agreed. Experian has a current payment status of collection/charge-off. The payment history listed on XXXX indicates youve made 71 % of payments for this account on time. The payment history on XXXX indicates youve made 85 % of payments for this account on time. The Experian payment history indicates youve made 68 % of payments for this account on time. 

XXXX XXXX : The Overview on XXXX indicates you have 0 % left to pay on this loan. The overview on XXXX states you have 0 % left to pay on this loan. The overview on Experian states you have 94 % left to pay on this loan. The balance on XXXX listed is {$9000.00} and the highest balance listed is {$10000.00}. The balance on XXXX listed is {$9000.00} and the highest balance listed is blank. The balance on Experian listed is {$9000.00} and the highest balance listed is {$10000.00}. Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on Experian is XX/XX/XXXX. Remarks listed on XXXX state profit and loss write off. Remarks listed on XXXX state charged off account. Remarks on Experian state unpaid balance reported as a loss by credit grantor. Times 30/60/90 days late is listed as 0/0/0 on XXXX, Times 30/60/90 days late is listed as 1/1/1 on XXXX, and Times 30/60/90 days late is listed as 1/1/1 on Experian. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 69 months on Experian.Transunion term count is listed as 0, XXXX term count is listed as 0, and Experian term count is listed as 96. Term source type is blank on XXXX. Term source type is blank on XXXX. Term list type is listed as provided on Experian. The high credit is listed as {$0.00} on XXXX and the high credit is blank on XXXX and Experian. The payment history listed on XXXX indicates no history available. The payment history on XXXX indicates youve made 4 % of payments for this account on time. The Experian payment history indicates youve made 30 % of payments for this account on time. 

Achieve Personal Loans : The account is not listed on XXXX The date listed on XXXX is XX/XX/XXXX. The date listed on Experian is XX/XX/XXXX. The previous balance listed on XXXX was listed as {$0.00} and the highest balance listed is $ XXXXThe balance on XXXX listed is {$0.00} and the highest balance listed is blank. The balance on Experian listed is {$0.00} and the highest balance listed is {$17000.00}. Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Last Activity Date on Experian is XX/XX/XXXX. Remarks listed on XXXX state purchased by another lender. Remarks listed on XXXX state charged off account. Remarks on Experian state unpaid balance reported as a loss by credit grantor, transferred to another lender. Times 30/60/90 days late is listed as 0/0/0 on XXXX, Times 30/60/90 days late is listed as 0/0/0 on XXXX, and Times 30/60/90 days late is listed as 1/1/1 on Experian. Experian. Months reviewed is listed as 0 months on XXXX, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 17 months on Experian.Transunion term count is listed as 0, XXXX term count is listed as 0, and Experian term count is listed as 48. Term source type is blank on XXXX. Term source type is blank on XXXX. Term list type is listed as provided on Experian. The high credit is listed as {$0.00} on XXXX and the high credit is blank on XXXX and Experian. The payment history listed on XXXX indicates no history available. The payment history on XXXX indicates youve made 100 % of payments for this account on time. The Experian payment history indicates youve made 53 % of payments for this account on time.The creditor information listed differs across XXXX, XXXX, and Experian. The creditor name differs on XXXX, XXXX, and Experian. The credit on XXXX does not have an address or phone number listed. The creditor on XXXX list # 40 and a different phone number than Experian. The creditor on Experian list XXXX XXXX and a different phone number than XXXX. 

XXXX XXXX : There is no account information listed on XXXX and XXXX. There are account details listed on Experian. 

XXXX XXXX : The date listed on the XXXX is XX/XX/XXXX. The date listed on XXXX is XX/XX/XXXX. The account is not listed on Experian. The account type listed on transunion is listed as an open account and the account type listed on XXXX indicates open. Last Activity Date listed on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. There is no status listed on XXXX and the status listed on XXXX indicates paid. Most recent adverse on XXXX indicates Collection/charge off and the most recent adverse on XXXX indicates No data. Comments on XXXX indicate paid collection and the comments on XXXX are blank. The information for the collection agency only list a name for a collection company on XXXX. The information for a collection company list a name, address, and phone number on XXXX. 

According to 15 USC 6802 none of these institutions listed can disclose nonpublic personal information to third parties unless the financial institutions have clearly and conspicuously disclosed to the consumer in writing or electronic form that the information can be disclosed, the consumer is given the opportunity to opt out before the information is initially disclosed, and the consumer is given an explanation of how the consumer can exercise the nondisclosure option. None of these creditors listed met all three requirements that are needed for the disclosure of this information. Therefore, I am asking for the removal of all these accounts from my consumer report. Furthermore, the accounts have numerous inconsistencies and the veracity of the information can not be verified.

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