Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent this exact letter ( below ) out on XX/XX/XXXXXXXX  ' to the credit bureaus and Experian has responded today that it was verified and accurate. I am confused how three bureaus have inconsistent information but it is still being reported as " accurate '' in a manner that hurts my credit. I have tried everything I can to get this resolved, please help. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Experian ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Dear Experian, XXXX, and XXXX : I have pulled my credit report both on your website and XXXX & have found some inaccurate information that requires update and removal of this late payment. I have a new and life changing job opportunity coming up and I know they will pull my credit report, and this false information will hurt me between the 3 credit bureaus for XX/XX/XXXX, and XX/XX/XXXX XXXX I am not asking for you to go above and beyond for me but I do expect to be treated fairly. It is hard enough to have decent credit as an average American. 


Account Name : XXXX XXXX XXXX, Account Number : XXXX ; This late payment is inconsistent throughout the three credit reporting bureaus making it inaccurate, which is reported as : 30 days late in the month of XXXX to XXXX, 30 days late in the month of XXXX to XXXX, 30 days late in the month of XXXX to Experian. 

These inconsistencies definitely raise concerns how it can be deemed accurate and verified but different information is being reported across the bureaus. You should be ashamed of yourself for ASSUMING this role and position to constantly cause harm to consumers! These accounts are listed with late or missed payments and that is inconsistent making them inaccurate. It is impossible to be both 30 and 60 days late in the month of XXXX. The ABOVE listed ACCOUNTS should reflect 0 LATE PAYMENTS and should be listed as PAYS AS AGREED. Please reverse this late payment for inaccuracy and update to PAYS ON TIME/NEVER LATE. 

It is to be noted that I have attempted to dispute this information before and I am a bit frustrated that it was not corrected at that time ( XX/XX/XXXX ). The bureaus claim they have verified and updated this account, but yet I am still noticing inconsistent information. If it's inconsistent, it's deemed inaccurate right? Everything mentioned above is newly discovered inconsistent information regarding this late payment. XXXX XXXX XXXX XXXX ( XXXX ) made it very clear that it is the credit bureau/data furnishers responsibility to prove this information to be 100 % correct, not the consumers. Unless I am provided a bank statement proving that I was late- this account must be updated to PAYS ON TIME/NEVER LATE. There should not be a 30 day late payment reflecting ANYWHERE on this account. 


Best Regards, 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