Consumer complaint received 2023-10-19
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 have been reaching out to XXXX XXXX XXXXXXXX and the credit bureaus since XXXX to XXXX XXXX and they still have not resolved the problem on my credit report. 

I am writing to bring to your attention certain discrepancies and potential violations related to my credit report, specifically pertaining to an entry from XXXX XXXX XXXXXXXX. The information on my credit report does not appear to be in compliance with federal regulations, specifically the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

Account Information : Date of Last Activity : Experian - XX/XX/XXXX, XXXX - XX/XX/XXXX Date Reported : Experian - XX/XX/XXXX, XXXX - XX/XX/XXXX Account Rating : Experian lists the account as " Derogatory, '' while XXXX XXXX has a blank rating. 
Late Payments : Experian - XXXX late on XX/XX/XXXX, XXXX - XXXX late on XX/XX/XXXX Past Due Amount : Both Experian and XXXX report a past XXXX amount of {$390.00}. 
Account Type : Experian reports it as a " credit line secured. '' Specific Violations and Non-Compliance : Date of Last Activity : The reported date of last activity does not match between Experian and XXXX. Such discrepancies can mislead creditors and can be considered a violation of the FCRA, which requires accurate and consistent reporting. 

Account Rating : Experian reports the account as " Derogatory, '' while XXXX and XXXX XXXX provide no rating. The inconsistency in the account rating between Experian and the others violates the FCRA, which mandates the accurate representation of a consumer 's creditworthiness. 

Late Payments : There is a discrepancy in the reported dates of late payments between Experian and XXXX. Such discrepancies XXXX harm my credit profile and XXXX be in violation of the FCRA. 

XXXX XXXX XXXX : Reporting a past due amount when there is no outstanding balance violates the FCRA, which requires that all information on a credit report be accurate. 

Account XXXX : Experian reports the account as " Closed, '' while XXXX XXXX states it is " XXXX. '' This inconsistency is a violation of FCRA, which requires consistent reporting of account status. 

XXXX XXXX : XXXX reports a high balance of {$520.00}, which does not match the credit limit and balance information reported by the other credit bureaus. This inconsistency is a violation of the FCRA 's requirement for accurate and consistent reporting. 

Different Account Numbers : The use of different account numbers by Experian and XXXX XXXX lead to confusion and is a violation of the FCRA 's requirement for accurate reporting. 

I respectfully request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations. I also kindly request thatXX/XX/XXXX XXXX XXXX these inaccuracies on my credit reports as required by law. My aim is to ensure that my credit report accurately reflects my financial history and does not negatively impact my creditworthiness unjustly. 

Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this issue.

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 non-monetary relief