Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: DC
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: Their investigation did not fix an error on your report

Complaint:
I have disputed these accounts in the past and unfortunately they are not accurate. All three credit bureaus are reporting completely different information which means that these accounts are being reported incorrectly and need to be removed immediately. I have listed in detail everything that is inaccurate to insure that these accounts get removed at the earliest convenience. All of these accounts being reported inaccurately are hindering my ability to purchase a new home. 

I would like to file a complaint on Experian for reporting inaccurate information in regards to the accounts below. To to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation an item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. How is it possible that both agencies conducted an investigation with the same creditor ( s ) numerous times and supplied me with results but both results reflect different information? Both agencies are reporting inaccurate and incomplete information and are LYING when they say that they are accurately reporting information! I DEMAND THAT THESE ACCOUNTS BE DELETED IMMEDIATELY!!! 


XXXX XXXX XXXX Account # XXXX The account open date on Experian says XX/XX/XXXX, but that is inaccurate. Furthermore, the date last active says XX/XX/XXXX. Why is this being reported with different dates on different credit bureaus? This is clearly inaccurate and must be deleted immediately. 

XXXXXXXX XXXX  Account # XXXX The account open date on Experian says XX/XX/XXXX, but that is inaccurate. Furthermore, the date last active says XX/XX/XXXX. Why is this being reported with different dates on different credit bureaus? This is clearly inaccurate and must be deleted immediately. 

XXXX XXXXXXXX Account # XXXX The account open date on Experian says XX/XX/XXXX, but that is inaccurate. Furthermore, the date last active says XX/XX/XXXX. Why is this being reported with different dates on different credit bureaus? This is clearly inaccurate and must be deleted immediately. 

XXXX Account # XXXX This account is listed as open when another bureau has it listed as closed.The monthly payment is inaccurate, date opened is wrong, the past due amount is incorrect, date last active is incorrect and date of last payment is incorrect. Yet again, Experian is reporting something totally different than XXXX. This account must be deleted immediately. 

XXXX Account # XXXX This account is listed as last 60 days when it also says the account status is paid completely, and the past due amount says {$0.00}. Date of last payment is also inconsistent between credit bureaus, making this yet again inaccurate. 

XXXX Account # XXXX Experian says the monthly payment is {$0.00} yet the other bureaus say something different. Furthermore, the balance says {$5000.00} but they are reporting to another bureau a completely different balance! Also, why is is that the open date isnt consistent upon each bureau? Nothing is accurately being verified! 

XXXX Account # XXXX Date open is inconsistent on each bureau. Date last active inconsistent upon each bureau. This company is reporting inaccurately! 

XXXX Account # XXXX Date open inaccurate, date last active inaccurate. 

XXXX XXXX  Account # XXXX How is the account status derogatory If the balance says {$0.00}? The date opened is also inaccurate between each bureau. Date last active is also inaccurate.

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