Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below have continually violated my federally protected rights to an accurate and error-free credit report under 15 U.S.C/ 1681- 2 ( 2 ) ( 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. As of XX/XX/XXXX, all 3 credit bureaus, XXXX, Experian XXXX XXXX were informed of the multiple errors on my credit report and as of XX/XX/XXXX they have not been corrected. 
Account Name : XXXX XXXX Acct # XXXX ( XXXX, Experian XXXX XXXX are all reporting different close, payment past due, and last payment made dates. XXXX reports close date as XX/XX/XXXX, Experian reports close date as XX/XX/XXXX, and XXXX reports close date as XXXX XXXX reports XXXX Payment Date as XX/XX/XXXX, Experian reports XXXX Payment Date as XX/XX/XXXX, and XXXX reports XXXX Payment Date as XX/XX/XXXX. While also posting payments past due dates of XX/XX/XXXX to XX/XX/XXXX. Account was Charged Off and does not have another scheduled due date. It should not be reporting as late payment every month, because it is charged off. 
Account Name : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Experian are reporting different closed, payment past due and charge off dates. XXXX reports close date as XX/XX/XXXX, and Experian reporting as closed XX/XX/XXXX. Also posting payments past due dates of XX/XX/XXXX to XX/XX/XXXX. This account was Charged Off and does not have another scheduled due date. It should not be reporting as late payment every month, because it is charged off. Account Name : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Experian are reporting different closed, payment past due and charge off dates. XXXX reports close date as XX/XX/XXXX, and Experian reporting as closed XX/XX/XXXX. While also posting payments past due dates of XX/XX/XXXX to XX/XX/XXXX. This account was Charged Off and does not have another scheduled due date. It should not be reporting as late payment every month, because it is charged off. Account Name : XXXX XXXX Acct # XXXX ( Experian reports account Charged Off XX/XX/XXXX, while posting payments past due dates of XX/XX/XXXX to XX/XX/XXXX. This account was Charged Off and does not have another scheduled due date. It should not be reporting as late payment every month, because it is charged off. Account Name : XXXX XXXX  Acct # XXXX ( XXXX, Experian XXXX XXXX are all reporting different close, payment past due, and last payment made dates. XXXX reports close date as XX/XX/XXXX, Experian reporting closed as of XX/XX/XXXX, and XXXX reporting closed as of XX/XX/XXXX. This account was Paid Off in Full and closed XX/XX/XXXX therefore, it should not be reporting as ND ( no data ) and closed XX/XX/XXXX and XX/XX/XXXX. 
Account Name : XXXX XXXX Account # XXXX ( XXXX XXXX XXXX are reporting different closed and date of Last Payments. XXXX is reporting closed as of XX/XX/XXXX, XXXX is reporting closed as of XX/XX/XXXX. XXXX is reporting Last Payment Date of XX/XX/XXXX, XXXX is reporting Last Payment Date of XX/XX/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