Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XX/XX/XXXX SSN : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to address the ongoing discrepancies in the credit reporting of my XXXX  XXXX XXXX account, XXXX XXXX, which have had a profound and distressing impact on my life. The violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ) have caused significant emotional distress and financial hardship. 
I am writing to dispute the accuracy of the information reported by XXXX  XXXX XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), and XXXX  XXXX XXXX ( Account Number : XXXX ) on my credit reports. The discrepancies between XXXX, Experian, and XXXX are as follows : Date Opened : According to XXXX, the date opened for these accounts is XX/XX/XXXX, while Experian and XXXX both indicate the date as XX/XX/XXXX. This discrepancy violates the accuracy requirements of the Fair Credit Reporting Act ( FCRA ), specifically FCRA Section 611 ( a ) ( 2 ). 
High Credit : XXXX reports the high credit for these accounts as {$11000.00}, whereas Experian reports it as {$0.00}. XXXX, on the other hand, shows the high credit as {$11000.00}. Such inconsistent reporting of the high credit amount violates the accuracy requirements of the FCRA, specifically FCRA Section 607 ( b ).

Credit Limit : XXXX and Experian both report the credit limit for these accounts as {$10000.00}, whereas XXXX reports it as {$0.00}. This inconsistent reporting violates the accuracy requirements of the FCRA, specifically FCRA Section 607 ( b ). 
Last Reported Date : XXXX reports the last reported date for these accounts as XX/XX/XXXX, Experian reports it as XX/XX/XXXX, and XXXX reports it as XX/XX/XXXX. This inconsistency in reporting violates the accuracy requirements of the FCRA, specifically FCRA Section 611 ( a ) ( 1 ) ( A ). 
Validate the accuracy of my personal information, including my name, address, Social Security Number, and date of birth, as required by FCRA Section 611 ( a ) ( 2 ). Review the reported accounts associated with my credit profile to ensure their accuracy and validity, adhering to FCRA Section 611 ( a ) ( 1 ) ( A ). Correct any errors in the reported dates, including the date opened and last reported dates, as they appear inconsistent across the different credit bureaus, as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ).

Verify and rectify the reported credit limits and high credit amounts to accurately reflect the details of my accounts, aligning with FCRA Section 607 ( b ).

These discrepancies and inaccuracies in reporting have had a significant impact on my credit standing and financial reputation. As a result, I have faced difficulties in obtaining credit opportunities and have experienced emotional distress.

Therefore, I request that you conduct a thorough investigation into these discrepancies and enforce the necessary corrective actions against XXXX XXXX XXXX and XXXX XXXX. Specifically, I request that the unverified and inaccurate information be promptly removed from my credit reports, and that the correct and verified information be accurately reported by all three credit bureaus, in accordance with the FCRA. 
Thank you for your attention to 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