Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

XXXX. They are reporting the date of the last activity incorrectly. XXXX is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and Experian is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX Account XXXX : XXXX XXXX. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form. 
XXXX Account XXXX : XXXX XXXX. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form. 
XXXX Account XXXX : XXXX XXXX. XXXX is reporting a monthly payment on a charged-off account. Now, it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case. 
XXXX Account XXXX : XXXX XXXX. The creditor/furnisher never provided me a written notice that they were going to furnish negative information on my consumer report pursuant to 15 usc 1681s-2 of the fair credit reporting act. Therefore, this is in violation of federal law and is an act of identity theft by them doing so. If they are not able to provide me with proof or documentation that they are allowed to furnish this information to you with my written consent you need to delete this from my consumer report. 
XXXX XXXX Account XXXX : XXXX XXXX. They are reporting the date of the last payment incorrectly. You are reporting the date of the last payment as XX/XX/XXXX while Experian and XXXX are reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of first delinquency is wrong as well as manipulating the statute of limitations. 
XXXX XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). 

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have XXXX days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.

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