Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent several letters to the credit bureau reiterating my serious concern regarding the presence of inaccurate information on my credit report. Despite my previous attempts to rectify these inaccuracies through multiple dispute letters, the erroneous accounts remain unchanged. The persistence of these inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ) and has had a detrimental impact on my financial standing. 

15 U.S.C 1681s-2 ( A ) ( 1 ) states, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am certain all of the information below is inaccurate and I have made several attempts providing evidence showing that the information is incorrect. 

The following discrepancies on my credit report continue to harm my creditworthiness : XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracies : Date opened- XX/XX/XXXX Last payment : XX/XX/XXXX On XX/XX/XXXX, I submitted a letter expressing my concern in regard to the inaccurate in formation that your are reporting on my credit. I explained to you that Transitions was reporting XX/XX/XXXX as the date opened for this account, while Experian noted XX/XX/XXXX as the date opened. Also the last payment for Experian showed XX/XX/XXXX and XXXX showed XX/XX/XXXX. How can I open accounts with the same account number on different days. Also, how can I make last payments for the same account on different days? This is clearly erroneous. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccuracies : Date opened- XX/XX/XXXX Last payment : XX/XX/XXXX On XX/XX/XXXX, I submitted a letter expressing my concern in regard to the inaccurate in formation that your are reporting on my credit. I explained to you that XXXX was reporting XX/XX/XXXX as the date opened for this account, while Experian noted XX/XX/XXXX as the date opened. Also the last payment for Experian showed XX/XX/XXXX and XXXX showed XX/XX/XXXX. How can I open accounts with the same account number on different days. Also, how can I make last payments for the same account on different days? This is clearly erroneous. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inaccuracies : Date opened- XX/XX/XXXX On XX/XX/XXXX, I submitted a letter expressing my concern in regard to the inaccurate in formation that your are reporting on my credit. I explained to you that XXXX was reporting XX/XX/XXXX as the date opened for this account, while Experian noted XX/XX/XXXX as the date opened. How can I open accounts with the same account number on different days. This is clearly erroneous. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, I submitted a letter expressing my concern in regard to the inaccurate in formation that your are reporting on my credit. I explained to you that my credit report showed several inaccuracies under XXXX XXXX XXXX. Experian shows that last reported was XX/XX/XXXX, but XXXX shows the last reported was XX/XX/XXXX. Experian shows the date last active is XX/XX/XXXX, but XXXX shows XX/XX/XXXX as the date last active. Lastly, the date of last payment shows XX/XX/XXXX and XXXX shows XX/XX/XXXX as the last payment date. 

After providing this information, they completely ignored my request for validation and sent a generic letter stating Accounts verified. This is erroneous and violates 15 U.S.C 1681s-2 ( A ) ( 1 ). My credit report has clearly not been verified, because they are still showing inaccurate dates opened and last payment dates. 

After sending a plethora of dispute letters, I have became extremely impatient with you not taking the time to review my request and instead sending generic messages. I am demanding that you remove these erroneous accounts ASAP. Failure to do so will leave me with no alternative but to take further legal action to protect my rights under the FCRA. 

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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