Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
I mailed 7 letters to XXXX XXXX this year starting on XX/XX/XXXX to XX/XX/XXXX. 
I am writing to express my concern and bring to your attention a credit reporting issue involving XXXX XXXX and the inaccuracies in the information they have reported on my credit report. I am writing to request your assistance in rectifying this situation, as it appears that XXXX XXXX may not be following the law in this matter. 

Account Details : Creditor : XXXX XXXX Date of Last Activity ( Experian ) : XX/XX/XXXX Date of Last Activity ( XXXX ) : XX/XX/XXXX Account Status ( XXXX ) : Account is not reported Date Reported ( Experian ) : XX/XX/XXXX Date Reported ( XXXX ) : XX/XX/XXXX Account Rating ( Experian ) : Account is listed as " Paid '' Account Rating ( XXXX ) : Account is listed as " Derogatory '' Late Payment ( Experian ) : XX/XX/XXXX Late Payment ( XXXX ) : XX/XX/XXXX The issue I am experiencing revolves around the discrepancies between Experian and XXXX credit reports. Experian shows that this account has been marked as " Paid, '' and there are zero late payments reported. However, XXXX lists the same account as " Derogatory '' and reports 24 late payments. 

The inconsistencies between these two credit reporting agencies are not only confusing but could also have a significant impact on my creditworthiness and overall financial well-being. It is essential for credit reports to accurately reflect my financial history to ensure fair access to credit and financial services. 

Additionally, I have noticed that the account in question is not being reported on XXXX at all. This further complicates the matter and raises concerns about the accuracy and compliance of XXXX XXXX 's reporting practices. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter and takes the necessary steps to ensure that XXXX XXXX rectifies these inaccuracies and discrepancies promptly. According to the Fair Credit Reporting Act, credit reporting agencies are responsible for providing accurate and up-to-date information, and creditors are obligated to report accurate information. 

I would appreciate your assistance in resolving this issue and ensuring that XXXX XXXX complies with the law by accurately reporting my credit information. Please let me know if you require any additional information or documentation to investigate this matter further. 

Thank you for your prompt attention to this matter, and I look forward to your assistance in resolving this discrepancy. 
These inconsistencies in the reporting of the account have a detrimental impact on my credit score and financial well-being. I believe that these inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Format compliance standards. I respectfully request that you investigate this matter thoroughly and take appropriate action to correct the inaccuracies in accordance with the following laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Metro 2 Format Compliance Standards XXXX and Experian Reporting Guidelines I kindly request that the Consumer Financial Protection Bureau conduct a full investigation into this matter and take prompt action to rectify these errors. I also request that you communicate with the credit reporting agencies involved ( Experian and XXXX ) to ensure the accurate and fair reporting of my credit information.

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