Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As i have previosuly filed a compliant with XXXX and XXXX that has been delt with appropriately. I have come to find even more inaccuracies within my credit report throughout all three reports. This time including Experian, XXXX as well as XXXX in regards to derogatory remarks on Payment history 30 days past due, On time, Data unavailable from all three credit reports as well inaccurate dates and amounts on each one with XXXX XXXX XXXX. I will be attaching and providing evidence in this complaint of these inaccuracies. As iv stated previously through the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian, XXXX and XXXX all being consumer reporting agencies as I am the Consumer. And 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states ''. 

Mainly these inaccuracies and issues are pertaining to the improper and inaccurate amounts throughout Payment History from what iv found or transaction history being reported throughout my credit reports on Experian, XXXX and XXXX for XXXX XXXX XXXX. As stated from 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting. With ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; in itself reporting transaction history is illegal. ALL inaccuracies and remarks iv listed and attached to this complaint I want deleted off my credit report for inaccurate information in violation of 15 U.S. Code 1681e stating " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

As I have looked in my credit report Payment history for XXXX XXXX XXXX  dates and amounts i've attached report different things that conflict with each other, as well as in violation of 15 U.S. Code 1681e as I've mentioned in the paragraph above however specifically ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Again, ALL inaccuracies as well as derogatory remarks made on my credit report under Payment history and balance for XXXX XXXX XXXX be removed as well as any adverse action related notations ( derogatory remarks in payment history ) removed and the status updated to Paid as agreed on Experian, XXXX and 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