Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, CFPB. I am writing to file a complaint regarding Experian who is inaccurately reporting two accounts on my credit report. I am attaching tracking information confirming delivery of my letter via mail on XX/XX/2023 to Experian disputing the inaccuracies. I have asked Experian to please delete these two accounts that they are reporting inaccurately on my credit file within 14 days, by law. I have also asked for a written response via mail. I have now waited a full 30 days and received no response from Experian. These accounts still remain on my credit report. Experian has not responded, nor did Experian remove these accounts. The two accounts are XXXX XXXX  and XXXX XXXX 

The XXXX XXXX account is reporting inconsistent payments to all three bureaus. I have included a picture of my credit report as proof of the discrepancy. Also, this XXXX XXXX account is a charge off account and should not be reporting any late payments at all. Experian, XXXX, and XXXX are inconsistent and inaccurate. They are not the same. The three credit bureaus are not reporting the same information for The Date Opened, Date Last Active and Date of Last Payment are all different. I have included a picture of my credit report as proof of the discrepancy. I have the right to an accurate credit file and these discrepancies are unacceptable and I demand that this be deleted immediately from my credit file. 

The XXXX XXXX account is reporting inconsistent payments to all three bureaus, Experian, XXXX, and XXXX. I have included a picture of my credit report as proof of the discrepancy. Also, this XXXX XXXX account is a charge off account and should not be report any late payments. The three credit bureaus are not reporting the same information for Payment Status, Date Last Active and Date of Last Payment are all different. I have included a picture of my credit report as proof of the discrepancy. I have the right to an accurate credit file and these discrepancies are unacceptable and I demand that this be deleted immediately from my credit file. 

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. This information is being incorrectly reported on my credit report. I demand for it to be deleted immediately. 

The Fair Credit Reporting Act ( FCRA regulates credit reporting agencies and Experian must ensure the information that is being reported is a fair and accurate summary of a my credit history. XXXX XXXX  and XXXX XXXX  are being reported inaccurately. Therefore, I demand it to be removed immediately. 

The law states : Pursuant 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states that ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition.

( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I demand for these two inaccurate accounts to be deleted from my Experian credit file 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