Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, 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 filed disputes with XXXX, XXXX, and Experian. All 3 Bureaus claimed to have completed a reasonable investigation with the funisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate and the 3 Bureaus is STILL continuing to report errors on my credit file, which is causing damage to my credit score. All 3 Credit Bureaus is in violation of the FDCPA. They know for a fact that they are required under the FCRA to properly verify the accuracy of an account listed on my credit report, which they did not do. This is grounds for removal. 

Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is also reporting 120 days late. Collection accounts can't report late payments. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is also reporting 120 days late on a collection account. Collection accounts can't report late payments. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXX XXXX  Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting a high balance of {$470.00}, XXXX is reporting {$810.00}, Experian is reporting {$0.00}. How can the date of last activity and high balance be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting a high balance of {$17000.00}, XXXX and Experian is reporting {$21000.00}. How can the date of last activity and high balance be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting last payment on XX/XX/XXXX, XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting account being open, Experian is reporting account being closed. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX  XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, and Experian is reporting XX/XX/XXXX. XXXX and Experian claim to have verified the account, but many discrepancies were found having inaccurate, incomplete, and or different information from what the other claims to be accurate. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, and Experian is reporting XX/XX/XXXX. XXXX and Experian claim to have verified the account, but there are multple inaccuracies. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies. 

Attached file showing inaccuracies.

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