Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the FCRA / 15 U.S.C 1681, I have certain rights as a consumer. Upon reviewing and comparing my current credit reports, I have discovered more than 14 violations of my rights accross 12 different accounts. These violations span multiple sections of the FCRA including, but not limited to sections 602, 605, 607, 609.. 

I logged into the XXXX website, to dispute these items and discovered that I could only submit one item every 30 days. It would take approximately one year to get all these items corrected. I should be able to report and have items corrected in a reasonable amount of time..

Listed below are the accounts that ALL have discrepancies regarding " Date Last Active ''. None of these accounts have consistent dates across the credit bureaus for the same account. ( Please see attached documents that show the discrepancies ) Also, I do not agree with the dates listed as some accounts should be " aged out ''. 

>>>Inconsistent and Inaccurate regarding Date Last Active for 12 accounts ]. 
- XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ... also ... XXXX XXXX Account # XXXX - XXXX  XXXX Account # XXXX ( listed twice ) - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) Account # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX. 
Furthermore, some of these accounts have additional violations which are also highlighted below. 
. 
>> [ Fraud : The following accounts do not belong to me. ] See attachment - XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX After a previous dispute of this account, XXXX XXXX said that the account was " verified '' but did not provide any additional details. Because this is a fraudulent account, it essentially impossible to verify this account. This account should NOT be on my report. 
. 
- XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX I never opened an account with XXXX  in XXXX of XXXX. This account should NOT be on my report. 
>> [ SAME ACCOUNT NUMBERS LISTED MULTIPLE TIMES WITH DIFFERENT BALANCE AMOUNTS ( See attached ) ] - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ... also ... XXXX XXXX Account # XXXX This Account is being listed by the original creditor and a collection agency each listing has a different balance for the same account number - XXXX XXXX Account # XXXX ( listed twice ) This Account is being listed twice. Each listing has a different balance for the same account number

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