Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For the past year, I have been monitoring my credit report for any discrepancies to be resolved in order to qualify for a mortgage to buy my first home as well as being considered more fairly for credit being extended to me. In my attempts to clean up my credit, the Credit Bureaus have stated that my account with XXXX XXXX was properly investigated in response to the multiple disputes that have been submitted for inaccurate information being reported. How has the account been properly investigated when there are still currently multiple inaccurate and inconsistent pieces of information being reported? The inaccurate items still include : 1. Payment Status - 120 Days Late ( Experian ) 2. Two-Year Payment History - 0 Months Reported ( Experian ) 3. Two-Year Payment History - XXXX XXXX thru XX/XX/XXXX NOT Reported ( XXXX ) 4. Two-Year Payment History - XX/XX/XXXX AND XX/XX/XXXX NOT Reported ( XXXX ) 5. Credit Limit - {$0.00} ( XXXX ) 6 . High Credit- {$300.00} ( XXXX ) 7. Account Type - BLANK ( XXXX ) 8. Account Status - Paid ( XXXX ) 9. Last Reported - All 3 Bureaus report different dates that are YEARS apart ( XXXX - XXXX ) 10. Date of Last Payment - BLANK ( XXXX XXXX Experian ) 11. Date Last Active - All 3 Bureaus report different dates that are MONTHS apart 12. Date Opened - XX/XX/XXXX ( XXXX ) I have submitted multiple disputes through their online portals ( which each bureau limits you to specific items and reasons ) and through credit repair agencies and the bureaus have even placed in the comments section of my account that the dispute was resolved when it clearly has not been at all! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX, Experian, and XXXX have all violated multiple laws and provisions that are currently in place to protect me, the consumer, from inaccurate and unfair credit reporting, which ultimately resulted in me receiving limited/unfair/miscalculated offers AND denials of credit. The laws and provisions mentioned previously include : 15 U.S.C. 1681 Section 602 ( b ) states that consumer reporting agencies are required to adopt reasonable procedures to meet the needs of obtaining information for consumer credit with accuracy and relevancy.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) states that there is a need to insure consumer reporting agencies exercise their grave responsibilities with fairness and impartiality.

15 U.S.C. 1681 Section 611 ( a ) ( 1 ) states that if the accuracy of any item contained in a consumer 's file is disputed by the consumer to the agency directly or indirectly, the agency shall conduct a reasonable reinvestigation to determine accuracy or delete the item from the file before the end of the 30-day period.

15 U.S.C. 1681 Section 611 ( a ) ( 5 ) ( A ) states that if, after any reinvestigation of consumer disputed information, an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall immediately delete that item from the file of the consumer.

15 U.S.C. 1681 Section 623 ( a ) ( 1 ) ( A ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe it is inaccurate.

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