Consumer complaint received 2023-09-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
IN REGARDS TO MISSING PAYMENTS AND OR PAYMENTS NOT REPORTED THAT SHOULD BE REPORTING. PLEASE ADJUST MY CREDIT REPORT AT ONCE AS THIS IS A VIOLATION OF THE FCRA I have requested Experian, XXXX, and XXXX to reinvestigate the accounts listed below, as they have failed to report them in accordance with the Fair Credit Reporting Act. Missing payments and not reported payments are violations tha have infringed upon my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX / XXXX - Missing payment history for XXXX XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX. XXXX XXXX - Missing payments history for XXXX XXXX XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX XXXX XXXX XX/XX/XXXX, should be reported as paid OR OK XXXX XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX. XXXX XXXX - Missing payments history for XXXX- XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX XXXX XXXX XX/XX/XXXX, should be reported as paid OR OK XXXX. XXXX XXXX - Missing payment history for XXXX XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX- XX/XX/XXXX XXXX XX/XX/XXXX, should be reported as paid OR OK EXPERIAN- XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX. XXXX XXXX XXXX - Missing payment history for XXXX- XX/XX/XXXX XXXX XX/XX/XXXX, should be reported as paid OR OK XXXX  XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX. XXXX XXXX XXXX - Missing payment history for XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, should be reported as paid OR OK XXXX- XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX XXXX TO XX/XX/XXXX XXXX should be reported as paid OR OK XXXX. XXXX XXXX - Missing payment history for XXXX XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX XX/XX/XXXX XXXX XX/XX/XXXX, should be reported as paid OR OK XXXX. XXXX XXXX XXXX - Missing payment history for XXXX XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX. XXXX XXXX XXXX - Missing payment history for XXXX XXXX TO XX/XX/XXXXXXXX XXXX- XX/XX/XXXX XXXX XXXXXXXX XXXX 10. XXXX/ XXXX - Missing payment history for XXXX XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX- XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK EXPERIAN- XX/XX/XXXX XXXX XX/XX/XXXX, should be reported as paid OR OK XXXX. XXXX/ XXXX - Missing payment history for XXXX- XX/XX/XXXX XXXX XX/XX/XXXX, should be reported as paid OR OK XXXX- XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX. XXXX - Missing payment history for XXXX- XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX- XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXXXXXX XXXX  XXXX XXXX XXXX XXXX - Missing payment history for XXXX XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX- XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX. XXXX XXXX XXXX & - Missing payment history for XXXX XX/XX/XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX XXXX TO XX/XX/XXXX, should be reported as paid OR OK XXXX. XXXX XXXX XXXX - Missing payment history for XXXX XXXX TO XX/XX/XXXX, should be reported as paid OR OK They claimed that everything was complete and accurate. Yet, how could this be the case when payment history is missing and numerous other details are incorrect? As per 15 USC 1681 ( 5 ), they are obligated to adjust any accounts that are not reported correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have evidence to prove my case

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