Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
Despite numerous written CFPB and other DISPUTES filed with every CRA and XXXX regarding all my XXXX XXXX accounts, XXXX and every CRA continues for about 11 months to knowingly report Facially False Data on my credit reports for over 11 months in complete violation of the CFPB Advisory Opinion and Rule on XX/XX/2022 regarding Fair Credit Reporting ; Facially False Data to prevent inconsistencies, especially a Date of First Delinquency on a report where a consumer is not in fact delinquent such that A violation is willful when it is inconsistent with authoritative guidance from a relevant agency including the CFPB. Violators are subject to statutory damages of {$1000.00} per violation plus {$80000.00} punitive damages. I filed numerous disputes to every CRA ( and XXXX ) about inaccurate, incomplete, missing, illogical and inconsistent payment data reported including the Facially False Dates of First Delinquency of XX/XX/2022 or XX/XX/2022 for every XXXX account, as such dates are facially false, illogical and inconsistent with amounts paid to XXXX through XX/XX/2022 for payments due and the paper credit reports which show that all XXXX accounts were current up to XX/XX/2022 and the first 30 day late payment was In XX/XX/2022 so the Date of First Delinquency of XX/XX/2022 or XX/XX/2022 is not only substantially inaccurate and illogical but inconsistent. The Bureau is issuing this advisory opinion to remind consumer reporting agencies that the failure to maintain reasonable procedures to screen for and eliminate logical inconsistencies, to prevent the inclusion of facially false data in consumer reports, is a violation of their FCRA obligation to follow reasonable procedures to assure maximum possible accuracy under section 607 ( b ) of the FCRA. I have recently filed a federal lawsuit against XXXX in the US District Court Middle District due to XXXX willful violations of the FCRA for deliberately reporting inaccurate, illogical and inconsistent Facially False Data, failure to promptly, timely and permanently report my accounts as DISPUTED and CLOSED by CONSUMER with accurate dates of account closures. Attached you will see the first 13 pages of my Statement of Undisputed Material Facts which document in detail the Facially False Date regarding the inaccurate and inconsistent Date of First Delinquency of XX/XX/2022 or XX/XX/2022 known to be inaccurate and illogical but reported for each of my XXXX XXXX accounts to every CRA. I have not named any CRA in my federal lawsuit in hope that you will do the right thing and immediately and permanently delete every XXXX account from ever CRA file, or, at a minimum, delete, update and correct the Date of First Delinquency to no earlier than XX/XX/2022. In light of the numerous past disputes filed with every CRA and XXXX and XXXX retaliation against me by reporting a Date of First Delinquency when I was current for at least the following 5 months based on the CRA payment records, DELETION of every XXXX account at every CRA is warranted to mitigate damages especially punitive damages which must exceed {>= $1,000,000} based on less serious judgments. Permanent DELETION of every account is not only appropriate but required.

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