Consumer complaint received 2023-04-24
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute several inaccuracies in my credit report that have been reported by your agency. My current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, but your agency has reported several incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This incorrect information has caused me significant financial harm and has affected my ability to obtain credit and other financial opportunities. 

I believe that your agency has violated several laws, including the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681, specifically Section 1681e, which requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report, and Section 1681i, which requires that credit reporting agencies investigate disputed information and correct any inaccuracies.

Furthermore, I believe that your agency has violated the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S. Code 1681c, specifically Section 1681c ( a ) ( 4 ), which requires that credit reporting agencies redact or remove certain personal information, including addresses, from consumer credit reports to protect against identity theft.

Additionally, I believe that your agency has violated the Equal Credit Opportunity Act ( ECOA ) - 15 U.S. Code 1691, specifically Section 1691 ( a ) ( 1 ), which prohibits creditors from discriminating against credit applicants based on race, color, religion, national origin, sex, marital status, or age, and Section 1691 ( a ) ( 2 ), which prohibits creditors from requiring applicants to provide information about their spouse or former spouse unless the applicant is applying for joint credit, or the applicant resides in a community property state.

Furthermore, I believe that your agency has violated the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601, specifically Section 1601 ( a ), which requires that creditors provide consumers with accurate and clear disclosures of the terms and conditions of credit, including finance charges and annual percentage rates.

Lastly, I believe that your agency has violated the Real Estate Settlement Procedures Act ( RESPA ) - 12 U.S. Code 2601, specifically Section 2605, which requires that loan servicers respond to borrower requests for information and complaints regarding errors in loan servicing.

Unauthorized inquiries : I have found unauthorized inquiries on my credit report that were made without my consent. These inquiries are a violation of the FCRA, specifically section 604 of the Act.

Inaccurate reporting : The information reported on my credit report 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX is inaccurate XXXX incomplete, and outdated. The inclusion of such inaccurate information is a violation of the FCRA, specifically section 607 of the Act. 

Failure to investigate disputes : I have previously disputed inaccurate information on my credit report, but the credit reporting agency or creditor failed to investigate or correct the information. This is a violation of the FCRA, specifically section 611 of the Act. 

Failure to provide notice : I was not notified of an inquiry or other adverse action taken against me based on my credit report by XXXX XXXX. This is a violation of the FCRA, specifically section 615 of the Act. 

One of my creditors, XXXX XXXX, has reported that I was 30 days late on XX/XX/XXXX on my account, but I never missed a payment on this account. This inaccurate reporting has severely impacted my credit score and my ability to obtain credit, as well as causing undue stress and XXXX 

Furthermore, there are discrepancies in the dates being reported by the different credit bureaus. XXXX has reported a Date of Last Activity date of XX/XX/XXXX, while Experian and XXXX show XX/XX/XXXX. Similarly, XXXX and Experian have reported a Date Reported date of XX/XX/XXXX, while XXXX reports XX/XX/XXXX. Experian and XXXX are showing a Date Opened date of XX/XX/XXXX, but XXXX is reporting XX/XX/XXXX. 

These inaccuracies and discrepancies are in violation of the following sections of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 623 ( a ) ( 2 ) : This section requires that credit reporting agencies follow reasonable procedures to ensure that the information they report is accurate.

FCRA Section 623 ( a ) ( 5 ) : This section requires that credit reporting agencies promptly delete or modify inaccurate or incomplete information.

FCRA Section 623 ( b ) ( 1 ) ( D ) : This section requires that when a furnisher of information provides information to a credit reporting agency, it must provide the date of delinquency on the account. 
Furthermore, these discrepancies also potentially violate the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312, which requires furnishers of information to provide accurate and complete information to credit reporting agencies. 

XXXX XXXX  The discrepancies in the dates being reported by the different credit bureaus and the inaccurate reporting of a late payment have had a significant negative impact on my life. 

As per FCRA Section 623 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure that the information they report is accurate. However, the discrepancies in the dates being reported by XXXX, Experian, and XXXX suggest that the credit reporting agencies have failed to follow these reasonable procedures. 

In addition, as per FCRA Section 623 ( a ) ( 5 ), credit reporting agencies are required to promptly delete or modify inaccurate or incomplete information. The late payment being reported on my account by XXXX is inaccurate and should be promptly deleted from my credit report. 

Furthermore, as per FCRA Section 623 ( b ) ( 1 ) ( D ), furnishers of information, such as XXXX, are required to provide accurate information to credit reporting agencies. However, it appears that XXXX provided inaccurate information regarding the date of last activity, date reported, and date opened on my account. 

XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX, the reported date of last activity is XX/XX/XXXX, Experian reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. Furthermore, XXXX reports a date reported of XX/XX/XXXX, while Experian reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. All three bureaus indicate that I was 60 days late on XX/XX/XXXX, even though I made all my payments on time. 

These inaccuracies are in violation of several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 623 ( a ) ( 2 ) requires credit reporting agencies to follow reasonable procedures to ensure that the information they report is accurate. The discrepancies in the dates reported by the different credit bureaus suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.

In addition, FCRA Section 623 ( a ) ( 5 ) requires credit reporting agencies to promptly delete or modify inaccurate or incomplete information. The late payment being reported when no payment was missed is inaccurate and should be promptly deleted. Finally, FCRA Section 623 ( b ) ( 1 ) ( D ) requires furnishers of information to provide the date of delinquency on the account when providing information to a credit reporting agency. XXXX provided inaccurate information regarding the date of last activity, date reported, and payment status on the account. 

XXXX. I am very concerned about the discrepancies in the information being reported by the three major credit bureaus- Experian, XXXX, and XXXX- with regards to this account. 

According to Experian and XXXX, the Date of Last Activity is XX/XX/XXXX, but XXXX is reporting it as XX/XX/XXXX. Additionally, XXXX and Experian are reporting Date Reported as XX/XX/XXXX, while XXXX still reports it as XX/XX/XXXX. Furthermore, Experian is reporting Date Opened as XX/XX/XXXX, but XXXX is reporting it as XX/XX/XXXX. Finally, XXXX and Experian are reporting the Last Payment date as XX/XX/XXXX, but XXXX is reporting it as XX/XX/XXXX. 

These discrepancies indicate that the credit reporting agencies have failed to follow reasonable procedures to ensure the accuracy of the information they report, as required by FCRA Section 623 ( a ) ( 2 ). Furthermore, the inaccuracies in the information being reported suggest that FCRA Section 623 ( a ) ( 5 ) may have been violated, which requires credit reporting agencies to promptly delete or modify inaccurate or incomplete information. Lastly, it appears that XXXX  has violated FCRA Section 623 ( b ) ( 1 ) ( D ) by providing inaccurate information regarding the date of last activity, date reported, date opened, and last payment date on the account. 

my account with XXXX XXXX XXXX I have recently obtained my credit reports from XXXX XXXX Experian XXXX and XXXX and have found several discrepancies and violations of the Fair Credit Reporting Act ( FCRA ). 

Firstly, according to XXXX, the date of last activity on my account is XX/XX/XXXX, while Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. These discrepancies in the dates reported by the different credit bureaus suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy, in violation of FCRA Section 623 ( a ) ( 2 ). 

Secondly, all three credit bureaus are reporting that I was 30 days late on XX/XX/XXXX, when in fact, I did not miss any payment on this account. XXXX and XXXX are also reporting that my payment status is Late 120 Days, while Experian is reporting Late 150 Days. This inaccurate and incomplete information violates FCRA Section 623 ( a ) ( 5 ), which requires that credit reporting agencies promptly delete or modify inaccurate or incomplete information. 

Thirdly, XXXX and Experian are reporting that the last payment date on my account is XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX. Similarly, XXXX and Experian are reporting a credit limit balance of {$2500.00}, which XXXX did not report. This inaccurate information violates FCRA Section 623 ( b ) ( 1 ) ( D ), which requires furnishers of information to provide the date of delinquency on the account. 

XXXX XXXX XXXX XXXX has provided to the credit reporting agencies regarding my account. According to my credit report, there are several discrepancies in the dates reported by the different credit bureaus, which suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy. 

Specifically, Experian and XXXX are showing a Date of Last Activity of XX/XX/XXXX, but XXXX is showing XX/XX/XXXX. Additionally, XXXX is showing a Date Reported date of XX/XX/XXXX, but Experian reported XX/XX/XXXX and XXXX reported XX/XX/XXXX. According to Experian and XXXX, the Date Opened is XX/XX/XXXX, but XXXX is showing XX/XX/XXXX. Lastly, XXXX and Experian are showing a Last Payment date of XX/XX/XXXX, but XXXX is showing XX/XX/XXXX. 

These discrepancies have had a significant impact on my life. As a result of these inaccurate reports, I have been denied credit and have had difficulty securing loans. I have been working hard to improve my credit score and establish a good financial standing, but the incorrect information on my credit report is hindering my progress.

I would like to request that you enforce the legal requirements under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report accurately reflects my credit history. The discrepancies in the dates reported by the different credit bureaus are clear violations of FCRA Section 623 ( a ) ( 2 ), which requires credit reporting agencies to follow reasonable procedures to ensure that the information they report is accurate. 

Furthermore, I believe that XXXX XXXX XXXX has provided inaccurate information regarding the date of last activity, date reported, date opened, and last payment date on the account, which is a violation of FCRA Section 623 ( b ) ( 1 ) ( D ). Therefore, I request that you promptly delete or modify this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX by the three credit reporting agencies. 

According to all three bureaus, I was reported as being 30 days late on this account, but I did not miss any payment. Furthermore, there are discrepancies in the reporting of the Date of Last Activity, Date Reported, and Creditor Type on this account by the different credit bureaus. 

These inaccuracies violate several sections of the Fair Credit Reporting Act ( FCRA ). FCRA Section 623 ( a ) ( 2 ) requires that credit reporting agencies follow reasonable procedures to ensure that the information they report is accurate. The discrepancies in the dates reported by the different credit bureaus suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.

FCRA Section 623 ( a ) ( 5 ) requires that credit reporting agencies promptly delete or modify inaccurate or incomplete information. The late payment being reported when no payment was missed is inaccurate and should be promptly deleted. 

FCRA Section 623 ( b ) ( 1 ) ( C ) requires that when a creditor provides information to a credit reporting agency, it must provide the date of delinquency on the account. It appears that the creditor, XXXX, provided inaccurate information regarding the date of delinquency, which has resulted in a negative impact on my credit report. 

FCRA Section 623 ( b ) ( 1 ) ( D ) requires that when a furnisher of information provides information to a credit reporting agency, it must provide the date of delinquency on the account. It appears that the furnisher of information, XXXX, provided inaccurate information regarding the date of last activity, date reported, and creditor type on the account. 

XXXX XXXX XXXX XXXX XXXX showing the Date of Last Activity as XX/XX/XXXX, while Experian is showing it as XX/XX/XXXX and XXXX XXXX showing it as XX/XX/XXXX. Additionally, XXXX and Experian are reporting the Date Reported as XX/XX/XXXX, while XXXX is reporting it as XX/XX/XXXX. Furthermore, Experian is showing a Credit Limit of {$7500.00}, while the other credit bureaus did not report any credit limit. 

These discrepancies are in violation of several sections of the Fair Credit Reporting Act ( FCRA ), including FCRA Section 623 ( a ) ( 2 ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information being reported. The discrepancies in the dates reported by the different credit bureaus suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.

In addition, FCRA Section 623 ( b ) ( 1 ) ( C ) requires that when a creditor provides information to a credit reporting agency, it must provide the date of delinquency on the account. It appears that the creditor, XXXX XXXX, provided inaccurate information regarding the date of last activity on the account, which has resulted in a negative impact on my credit report. 

Finally, FCRA Section 623 ( b ) ( 1 ) ( D ) requires that when a furnisher of information provides information to a credit reporting agency, it must provide the date of delinquency on the account. It appears that the furnisher of information, XXXX XXXX, provided inaccurate information regarding the date reported and credit limit on the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). My credit report is showing that the account is open, but it is a collection account. However, I was never notified by the creditor that my account was sold to a collection agency. 

Furthermore, there are discrepancies in the dates and account status reported by XXXX and Experian. XXXX reported the Date of Last Activity as XX/XX/XXXX while Experian reported it as XX/XX/XXXX. Additionally, XXXX is reporting the Account Status as Open, but Experian is reporting it as Closed. 

These errors violate several sections of the Fair Credit Reporting Act ( FCRA ). Section 609 ( a ) ( 1 ) states that consumers are entitled to a free copy of their credit report from each credit reporting agency once every 12 months. If the creditor or collection agency did not notify me that my account was being sent to collections, it may have impacted my ability to monitor and address any negative information on my credit report. 

Section 623 ( a ) ( 2 ) requires that credit reporting agencies follow reasonable procedures to ensure that the information they report is accurate. The discrepancy in the account status reported by XXXX and Experian suggests that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy. 

Section 623 ( a ) ( 5 ) requires that credit reporting agencies promptly delete or modify inaccurate or incomplete information. If the account is indeed a collection account and is being reported as open by XXXX, it may be inaccurate and should be promptly deleted or modified.

Finally, Section 623 ( b ) ( 3 ) ( A ) requires that when a consumer disputes information on their credit report, the credit reporting agency must provide written notice to the creditor or collection agency providing the information within 5 business days. If I have disputed the account status with the credit reporting agencies and they have failed to provide notice to the creditor or collection agency, they may be in violation of this section. 

This inaccurate information has had a significant impact on my life. It has made it difficult for me to secure loans, obtain credit cards, and even rent an apartment. I have had to pay higher interest rates and fees because of the negative information on my credit report. 

Therefore, I request that XXXX XXXX XXXX remove this unverified account from my credit report. I also request that the credit reporting agencies enforce the legal requirements outlined in the FCRA and ensure that accurate and complete information is reported on my credit report. 

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