Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to bring to your attention my ongoing concern regarding the accuracy of information on my Experian credit report. Despite multiple assurances of verification and accurate reporting, discrepancies persist on my credit report and across all three credit bureaus. Regrettably, my earlier request for original documentation, including signatures, contracts, and details about the verification process, has gone unanswered, constituting a violation of the Fair Credit Reporting Act ( FCRA ) due to the absence of a comprehensive investigation. 

Contrary to assertions by Experian that all information is verified and accurate, the following discrepancies still persist : XXXX account XXXX : Account status : Discrepancy across Experian and XXXX. Experian listed the account as PAID, XXXX list the account as XXXX. Date opened : Experian list account opened on XX/XX/XXXX, XXXX list the account opened on XX/XX/XXXX. Terms : Experian list the account has 72 months, XXXX list it as XXXX months. XXXX reported : Experian list account last reported on XX/XX/XXXX, XXXX list the account last reported on XX/XX/XXXX. Comments : Experian has no comments listed, XXXX and XXXX have comments listed for account. Date last active : Experian list account last active on XX/XX/XXXX and XXXX list the account last active on XX/XX/XXXX. Payment History : Inconsistencies across all three credit bureaus, with some months showing no data for timely payments, indicating incomplete reporting. This information is incomplete and inaccurate. I am requesting this account to be removed/deleted or update late payments to current. 

XXXX account XXXX : Last Reported Date : Discrepancies exist across all three bureaus. Date Last Active : Variances are observed across all three bureaus. Comments : Discrepancies exist across all three bureaus. Payment History : Discrepancies exist across all three bureaus. Experian and XXXX have me listed as 30 days late for the month of XX/XX/XXXX, but XXXX has me current for that month. This is inaccurate information reported despite Experian 's explicit statement that their investigation confirmed the information as " verified '' and accurate. This contradiction indicates false reporting. I am requesting this account to be deleted/removed or update the late payment to current. 

XXXX XXXX XXXX account XXXX : Date opened : Discrepancies exist across all three bureaus. Credit limit : Variances are observed across all three bureaus. High credit : Discrepancies exist across all three bureaus. Comments : Discrepancies exist across all three bureaus. Date of last active : Discrepancies exist across all three bureaus. Payment history : Discrepancies across bureaus. I am requesting this account to be deleted/removed or update the late payment to current. 

XXXX XXXX Bank account XXXX : Last Reported Date : Discrepancies are evident across all three bureaus. Date Last Active : Variances are present across all three bureaus. Date opened : Variances are present across all three bureaus. Comments : Variances are present across all three bureaus. Payment History : Discrepancies are noted across all three bureaus. Experian states I was 30 days late for the month of XX/XX/XXXX, but XXXX states I was late for XX/XX/XXXX. This is false and inaccurate reporting. I am requesting this account to be deleted/removed or update the late payment to current. 

The inclusion of inaccurate and incomplete information on my credit report has significant repercussions for my creditworthiness and financial well-being, resulting in unjust credit denials. I am committed to ensuring the accuracy of my credit report and insist on the prompt correction of these inaccuracies. 

Despite claims of a thorough investigation, the information continues to be inaccurate and complete, constituting a violation of the Fair Credit Reporting Act ( FCRA ).

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