Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I am writing to dispute the accuracy of my credit report as reported by 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. I have identified several violations of the Fair Credit Reporting Act ( FCRA ) by these creditors. 

XXXX  XXXX XXXX XXXXXXXX ) reported my account type as a revolving account in XXXX and XXXX but as a credit card in Experian. This inconsistency in reporting the account type violates FCRA. Additionally, there is an inconsistency in reporting the date last active as XX/XX/XXXX in XXXX and XXXX and XX/XX/XXXX in Experian. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) reported inconsistencies in several areas, including the account type being reported as a revolving account in XXXX and XXXX but as a credit card in Experian. The account status was reported as closed in XXXX and XXXX but open in Experian. The balance was reported as {$270.00} in Experian and XXXX but {$300.00} in XXXX. The last reported date was reported as XX/XX/XXXX in XXXX and XX/XX/XXXX in Experian and XX/XX/XXXX in XXXX. The date last active was reported as XX/XX/XXXX in XXXX and XX/XX/XXXX in Experian and XX/XX/XXXX in XXXX. These inconsistencies violate FCRA. 

XXXX ( XXXX ) also reported inconsistencies in several areas, including the account type being reported as a revolving account in XXXX and XXXX but as a charge card in Experian. The monthly payment balance was reported as {$38.00} in XXXX and Experian but as {$44.00} in XXXX. The last reported date was reported as XX/XX/XXXX in XXXX and XX/XX/XXXX in Experian and XX/XX/XXXX in XXXX. The date last active was reported as XX/XX/XXXX in XXXX and XX/XX/XXXX in Experian and XX/XX/XXXX in XXXX. These inconsistencies violate FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX ) reported inconsistencies in several areas, including the account type being reported as a revolving account in XXXX but as a secured credit card in Experian. The number of months revolving or not reported in XXXX and Experian. The payment status was reported as paid or paying as agreed in XXXX but as current and past due 30 days three times in Experian. The last reported date was reported as XX/XX/XXXX in XXXX and XX/XX/XXXX in Experian. The date last active was reported as XX/XX/XXXX in XXXX and XX/XX/XXXX in Experian. These inconsistencies violate FCRA. 

XXXX XXXX XXXX XXXXXXXX ) reported inconsistencies in several areas, including the account type being reported as a revolving account in XXXX but as a secured credit card in Experian. The monthly payment balance was reported as {$41.00} in Experian but not reported in XXXX and XXXX. These inconsistencies violate FCRA. 

These errors have had a big influence on my life, especially my ability to get a loan to buy a house. Despite my persistent attempts to pay off my obligations, it has been challenging for me to demonstrate my trustworthiness to lenders because of these false and contradictory reports. Being unable to give my children a secure home has given me a lot of worry and anxiety. These inconsistencies have not only affected my ability to secure credit, but they have also had a significant impact on my emotional and mental well-being. The stress and anxiety of dealing with these inaccuracies have caused me to lose sleep and have impacted my overall quality of life. 

Therefore, I am requesting that you take immediate action to enforce my legal rights under the FCRA and remove these unverified collection accounts from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

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