Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, I am writing to escalate a credit report dispute that I have been unable to resolve with XXXX, Experian, and XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have previously submitted disputes to XXXX, Experian, and XXXX regarding inaccuracies in my credit report, as allowed under the FCRA. 

I initially submitted my disputes on XX/XX/2023, XX/XX/2023, and XX/XX/2023, by certified mail with a return receipt requested. Despite the 30-day requirement for investigation, I have not received a satisfactory resolution to the disputes within the prescribed timeframe. 

The inaccuracies in my credit report pertain to the following : XXXX XXXX XXXX XXXX I noticed you are reporting multiple 30-day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 

XXXX XXXX # XXXX You have previously verified this account as accurate. However, the past due amount is not reporting accurately and must be removed from my report. 

XXXX XXXX XXXXXXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 

XXXX # XXXX The date of the last payment is not reported consistently and/or accurately. Please remove this from my report. 

XXXX XXXX XXXX XXXXXXXX This account can not have a credit limit as there is no agreement between the collection agency and myself. Please remove this inaccurate information. 

XXXX XXXX XXXXXXXX This account can not have a credit limit as there is no agreement between the collection agency and myself. Please remove this inaccurate information. 

I believe that the failure to correct these inaccuracies is in direct violation of the FCRA, which stipulates that credit bureaus must promptly correct or delete any information that is found to be inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ). Additionally, the FCRA requires that a consumer reporting agency conduct a reasonable reinvestigation to determine the accuracy of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

I have enclosed copies of the original dispute letter ( s ), supporting documents, and correspondence with XXXX, Experian, and XXXX for your reference. I am providing this information to demonstrate my good faith effort to resolve these inaccuracies. 

I kindly request that you conduct a thorough review of my dispute and compel XXXX, Experian, and XXXX to correct the inaccuracies as mandated by the FCRA. I also request that any information that can not be verified as accurate be removed from my credit report, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I appreciate your prompt attention to this matter and your assistance in ensuring that my credit report accurately reflects my financial history, as required by the FCRA.

Thank you for your assistance.

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