Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to bring to your attention a serious matter regarding the inaccurate reporting on my credit file by Experian, and to formally dispute the information contained in my credit report. This notice is in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate information and mandates that credit reporting agencies promptly investigate such disputes. 

I have made multiple attempts to rectify the inaccuracies on my credit report by submitting disputes and complaints through the Consumer Financial Protection Bureau ( CFPB ). Unfortunately, despite my efforts, Experian continues to verify and report inaccurate information concerning my XXXX account. 

XXXX of the major discrepancies is in the reported account opening date of XX/XX/XXXX, which contradicts the information provided and verified by XXXX themselves of XX/XX/XXXX. XXXX has explicitly stated that they have no record of a contract or electronic signature associated with the opening of this account. This inconsistency raises serious concerns about the accuracy and legitimacy of the reported information. 

Furthermore, Experian has verified an incorrect Account Open reporting date on multiple occasions, a clear violation of my rights under the FCRA. Additionally, the date last verified is not provided in my credit report, despite my receiving responses verifying the information through the CFPB on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This failure to provide accurate and up-to-date information is also a violation of my rights. 

Below is the response from XXXX regarding the inaccuracies in question from a CFPB complaint along with a screenshot of my credit report and how the account is reporting. There are clear violations. 

" XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : XXXX Card account ending in XXXX Consumer Financial Protection Bureau Case No. : XXXX Dear XXXX XXXX XXXX XXXX you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure that your concerns are efficiently addressed, your inquiry has been referred to my attention within the XXXX XXXX XXXX XXXX XXXX at XXXX. Our records confirm we responded to you, and the Better Business Bureau, on XX/XX/XXXX, for case number XXXX. At that time, we indicated to you we have reviewed your concerns related to the validation of your debt and the account reporting, and we provided you with our response at that time. We also responded to you and the Consumer Financial Protection Bureau regarding case number XXXX on XX/XX/XXXX. In our response, we indicated that we reviewed your concerns related to validity of the account and your request to remove the account from the credit reporting agencies. In our response, we advised that the account and reporting are valid, that we were reporting correctly to the credit bureau agencies, and that reporting can be on the credit bureau files for up to 7 years. For your records, I have enclosed our prior responses. Regarding your new complaint, please be advised that your statements are considered your account documentation, as such no other documentation can be provided as they are proprietary and can not be shared. According to our records, your above referenced account was opened on XX/XX/XXXX, through an internet application received on XX/XX/XXXX. As the application was submitted via the internet, there is no signed application to provide ; however, you did provide your electronic acknowledgement and agreement to the application terms and conditions. XXXX is committed to reporting true and accurate information to the credit reporting agencies. As such, we will not honor your request to remove the account reporting or request for compensation. The credit reporting agencies have their own policy for reporting the information that is displayed. We recommend that you correspond with the credit reporting agencies, regarding your concerns on the information being displayed. Our position remains unchanged. Because your concerns on this topic have been addressed previously, we may not respond or acknowledge to additional inquiries from you on this issue. We ask that you refer to our prior response for specifics regarding our previous investigation and resolutions of this matter. Due to your dispute, we will continue to report your account as 'disputed ' until you advise XXXX to remove the dispute status. We report to the following credit bureau reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should you wish to further discuss the account, you may contact our XXXX XXXX XXXX XXXX. at XXXX XXXX. If you have any questions or would like to provide additional information, please feel free to contact me at XXXX. I am typically available XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CFPB ''

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