Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. I am disputing this account for inaccurate information because they are reporting the date of the last activity incorrectly. XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX and Experian are reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account Number : XXXX 2. This account is in violation of federal law pursuant to 15 usc 1681a ( 2 ) ( 3 ) which states that no person shall communicate about transactions solely on the information on the consumer about transactions and experiences about the consumer without my permission. This company did not give me communication which determined if I wanted to give them permission to do so. By them failing to do so, this account needs to be removed from my consumer report immediately. 
XXXX XXXX Account Number : XXXX XXXX. I am disputing this account for inaccurate information because they are reporting the date of the last payment incorrectly. XXXX is reporting the date of the last payment as XX/XX/XXXX while Experian and XXXX are reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of first delinquency is wrong as well as manipulating the statute of limitations. 
XXXX Account Number : XXXX 4. Remove this account for inaccurate reporting because they have failed to report this account every month. They have not reported this account since XX/XX/XXXX which is about a year now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me. 
XXXX Account Number : XXXX 5. I am disputing this account for inaccurate information because you are reporting the date of the last activity incorrectly. You are reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account Number : XXXX 6. Nothing under 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirement of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. Code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority. 
XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.

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