Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: LA
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:
The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. 
Please see the account listed below that are inaccurate. 
Experian : XXXX XXXX XXXX XXXX Experian in the amount of {$5000.00} XXXX XXXX - XXXX Experian in the amount of {$5000.00} XXXX XXXX XXXX XXXX Experian in the amount of {$5000.00XXXX XXXX XXXX XXXX XXXX Experian in the amount of {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$5000.00} XXXX XXXX XXXX XXXX XXXX  in the amount of {$5000.00} XXXX XXXX XXXX XXXX XXXX in the amount of {$8000.00} XXXX XXXX XXXX XXXX  - Account # ending in XXXX in the amount of {$500.00} XXXX XXXX XXXX Account # ending in XXXX in the amount of {$5000.00} XXXX CARD - Account # ending in XXXX in the amount of {$5000.00} XXXX XXXX - Account # ending in XXXX in the amount of {$8000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX Experian : XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX Disputing Information in Credit Report : To whom it may concern I am writing to dispute the following information that XXXX supplied to [ Experian and XXXX ] XXXX I have highlighted and circled the items I dispute on the attached copy of my credit report ( s ). 
Experian XXXX XXXX XXXX XXXX XXXX Experian in the amount of {$5000.00} XXXX XXXX - XXXX Experian in the amount of {$5000.00} XXXX XXXX XXXX XXXX Experian in the amount of {$5000.00} XXXX XXXX XXXX XXXX  Experian in the amount of {$8000.00} XXXX : XXXX XXXX XXXX XXXX XXXX in the amount of {$5000.00} XXXX XXXX XXXX XXXX XXXX in the amount of {$5000.00} XXXX XXXX - XXXX XXXX in the amount of {$8000.00} XXXX XXXX XXXX XXXX  - Account # ending in XXXX in the amount of {$500.00XXXX XXXX XXXX  - Account # ending in XXXX in the amount of {$5000.00} XXXX XXXX - Account # ending in XXXX in the amount of {$5000.00} XXXX XXXX - Account # ending in XXXX in the amount of {$8000.00} The items XXXX is reporting is inaccurate and incomplete because the dates of opening the accounts is incorrect on the credit reports, and also the cards reporting dates are inaccurate on the credit reports it shows reporting a year later and other reports stated it stated reporting in XXXX. These accounts were sold to collections a third-party company which the information reporting is not up to date via Credit Bureau standards and violating the law. Also, on my XXXX report, there is no date found not information just stating a collections account. Also, some of the reporting is Unknown. I am requesting that XXXX have the item removed. 
I have requested 1. The Original Contract 2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History and 6. Credit Insurance . However, I have never received the information. 

I have reached out to Experian, XXXX and XXXX several times and have not got any feedback but saying accurate information. 

Enclosed are copies of my credit report with this letter. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete as soon as possible. 

Sincerely, XXXX 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