Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dispute Regarding Inaccuracies in Credit Reports Dear Sir/Madam, I am writing to dispute and bring to your attention significant inconsistencies and inaccuracies in my credit reports from the XXXX major credit bureaus : Experian, XXXX, and XXXX. The discrepancies pertain to the XXXXXXXX XXXX XXXX account, and I request a thorough investigation to rectify these issues. 

Upon reviewing the credit reports, I have identified several discrepancies that require immediate attention. Firstly, in XX/XX/XXXX, when the XXXX XXXX XXXX account was opened, XXXX reports a payment made on that specific month, while Experian and XXXX do not reflect any payment activity. This discrepancy in payment reporting during the account 's inception raises concerns about the accuracy and consistency of the information provided. 

Furthermore, all three credit bureaus report three late payments on the XXXX XXXX XXXX account in the months of XXXX, XXXX, and XXXX. However, there is a discrepancy in reporting regarding the subsequent months. Experian and XXXX indicate a closed status on the account in XX/XX/XXXX, denoted by " XXXX, '' while XXXX shows payments made on the account until XX/XX/XXXX, suggesting an open status. These conflicting statuses require investigation and clarification to ensure accurate reporting. 

Additionally, I noticed variations in the balance update dates. Experian reports a balance update on XX/XX/XXXX, while XXXX and XXXX report balance updates on XX/XX/XXXX, and XX/XX/XXXX, respectively. This inconsistency in balance reporting further adds to the confusion surrounding the account 's status and payment history. 

Considering the discrepancies outlined above, I kindly request a comprehensive investigation into the XXXX XXXX  XXXX account across all three credit bureaus. Please review and reconcile the reported late payments, the missing payment in XX/XX/XXXX on Experian and XXXX, and the conflicting payment history between the bureaus. Additionally, ensure consistent reporting of the account status, including the closure date, to provide accurate and reliable information to potential creditors. 

Once the investigation is complete, I request a detailed explanation of the findings and the corrective measures taken to address the inaccuracies. As a consumer, I have the right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), and I trust that you will handle this matter promptly and in accordance with the FCRA 's guidelines. 

Please acknowledge receipt of this dispute letter and provide written confirmation. I appreciate your immediate attention to this matter and your efforts to rectify these inconsistencies. I look forward to a prompt resolution and the issuance of updated and accurate credit reports. 

Thank you for your assistance. 

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