Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: WA
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:
Hello, I am writing to dispute the inaccurate information on my credit report that has been reported by XXXX. According to all three credit bureaus, I was reported as 30 days late on XX/XX/XXXX, even though I did not miss any payment on this account. Furthermore, Experian and XXXX reported a High Credit of {$1200.00}, while XXXX reported {$1200.00}. Additionally, Experian and XXXX reported the Last Reported Date as XX/XX/2022, while XXXX reported XX/XX/2022. Lastly, Experian and XXXX reported the Date Last Active as XX/XX/2022, while XXXX reported XX/XX/2022. These inaccuracies have significantly impacted my life and financial well-being. 

I am requesting that you enforce the legal requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to ensure that the information reported by XXXX is accurate and complete. Specifically, I believe that XXXX has violated the following provisions of the FCRA and FACTA : Section 607 ( b ) of the FCRA, which requires data furnishers to provide accurate and complete information to credit reporting agencies, and to correct any errors upon notice from a credit reporting agency or a consumer.

Section 611 ( a ) of the FCRA, which requires credit reporting agencies to investigate and correct any inaccurate information in a consumer 's credit report, and to notify the consumer of the results of the investigation within a reasonable time period.

Section 312 of the FACTA, which amends the FCRA to require data furnishers to establish and maintain reasonable procedures to ensure the accuracy and completeness of the information they provide to credit reporting agencies, and to correct any inaccuracies upon notice from a credit reporting agency or a consumer.

Section 312 ( c ) of the FACTA, which provides immunity from liability for data furnishers that comply with reasonable procedures for accuracy and completeness of information.

Section 312 ( d ) of the FACTA, which authorizes the FTC to promulgate guidelines and regulations regarding the accuracy and completeness of credit information.

I want to emphasize how these inaccuracies have affected my life. As a single mother, I am constantly struggling to make ends meet and provide for my family. Having inaccurate information on my credit report has made it extremely difficult for me to obtain loans and credit when I need it most. I have been denied credit and loans due to these inaccuracies, which has caused me to miss out on opportunities and financial stability. 

In light of the violations of the FCRA and FACTA by XXXX, I respectfully request that the unverified account information be removed from my credit report immediately. I also request that XXXX takes corrective action to ensure that my credit report accurately reflects my payment history. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

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 non-monetary relief