Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention significant discrepancies that I have discovered in my credit report concerning several accounts. I am deeply concerned about the accuracy and fairness of the information presented in my credit report, and I would like to formally request your assistance in resolving this matter promptly. 
Upon reviewing my credit report from Experian along with XXXX and XXXX, I have identified major inconsistencies in the account information. The discrepancies relate to the following accounts : XXXX XXXX XXXX XXXX Discrepancy : Number of late payments differ between reports XXXX XXXX Discrepancy : Payment history differ between reports, 2 accounts with same account number but different balances and information XXXX XXXX Discrepancy : Number of late payments and payment history differ XXXX XXXX Discrepancy : Payment History differ XXXX XXXX XXXX XXXX Discrepancy : Payment history differ I have taken the necessary steps to verify the information provided by these accounts and have found discrepancies between what is reported on my credit report and the actual facts. The inaccuracies in the report have a significant impact on my creditworthiness and financial reputation, which could potentially hinder my ability to access credit, loans, and other financial opportunities. I have already asked the credit reporting agencies to investigate my reports and not only did they take longer than 30 days to respond they did not fix any of the mistakes. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate or incomplete information on my credit report. Furthermore, I would like to bring to your attention that the discrepancies I have uncovered in my credit report are substantial and require immediate attention as per the guidelines established by the FCRA. 

In light of these findings and under the provisions of the FCRA, I formally request that you take the necessary steps to investigate and rectify these discrepancies. I kindly ask that the incorrect accounts be removed from my credit report without delay, as they are not a true reflection of my credit history. By law, I am entitled to an accurate and fair credit report, which has a direct impact on my financial wellbeing. 

Enclosed with this letter, please find relevant documentation supporting my claims and outlining the discrepancies I have identified. I kindly request your prompt attention to this matter and a written confirmation of the actions taken to rectify the inaccuracies. 

Thank you for your time and consideration. I look forward to your swift response and resolution of this matter. 

Sincerely, 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