Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: PA
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:
I reached out to the credit bureaus to please research my report on XXXX and they did not do a proper investigation. On XXXX I updated my most recent report and went through the reporting of the companies to find out that the same inaccurate information remained on my credit file after the bureaus reinsured me that they performed an accurate investigation and they validated everything and my report was 100 % accurate. I listed all the inaccurate information below that they said was 100 % accurate. 

In accordance with the fair credit reporting act, this companies has violated my rights. 

Consumer Reports XXXX & XXXXXXXX XXXX XXXX XXXXXXXX ( Say they removed all late payments only removed XXXX ) Balance : XXXX XXXX {$18000.00} Exp {$18.00} XXXX {$16000.00} Balance : XXXX XXXX {$17000.00} Exp {$18000.00} XXXX {$16000.00} Last Reported : XXXX XXXX XXXX Exp XXXX XXXX XXXX Last Reported : XXXX XXXX XXXX Exp XXXX XXXX XXXX Payment Status : XXXX XXXX Late 30 Exp Current XXXX Late 30 Payment Status XXXX XXXX Current Exp Late XXXX XXXX Current No dates for the last report, date late, and previous payment are not 100 % accurate. 


XXXX XXXX XXXX XXXXXXXX ( Stated they updated the account and deleted late payments ) Date Open : XXXX XXXX XXXX Exp XXXX XXXX XXXX Date Open : XXXX XXXX XXXX Exp XXXX XXXX XXXX Past Due : XXXX XXXX {$240.00} Exp {$240.00} XXXX {$1200.00} Past Due : XXXX XXXX {$1200.00} Exp {$240.00} XXXX {$1200.00} No dates for the last report, date late, and previous payment are not 100 % accurate. 

XXXX  XXXX Date Open : XXXX XXXX XXXX Exp XXXX XXXX XXXX Date Open : XXXX XXXX XXXX Exp XXXX XXXX XXXX Past Due : XXXX XXXX {$700.00} Exp {$700.00} XXXX {$550.00} Past Due : XXXX XXXX {$700.00} Exp {$1400.00} XXXX {$700.00} Balances : XXXX XXXX {$36000.00} Exp {$36000.00} XXXX {$36000.00} Balances : XXXX XXXX {$36000.00} Exp {$36000.00} XXXX {$36000.00} No dates for the last report, date late, and previous payment are not 100 % accurate. 

XXXX XXXX ( Stated verified info, but the account after 30 days is not validated any info I requested ) XXXX : No dates for the last report, date late, and previous payment are not 100 % accurate. 
XXXX : No dates for the last report, date late, and previous payment are not 100 % accurate. 
No changes to either report. 

XXXX XXXX ( Closed ) Date Open : XXXX XXXX XXXX Exp XXXX XXXX XXXX Date Open : XXXX XXXX XXXX Exp XXXX XXXX XXXX Reported : XXXX XXXX XXXX Exp XXXX XXXX XXXX Reported : XXXX XXXX XXXX Exp XXXX XXXX XXXX Balances : XXXX XXXX {$6300.00} Exp {$6300.00} XXXX XXXX Balances : XXXX XXXX {$6300.00} Exp {$6300.00} XXXX {$5100.00} No dates for the last report, date late, and previous payment are not 100 % accurate. 

XXXX XXXX ( Closed ) Date Open : XXXX XXXX XXXX Exp XXXX XXXX XXXX Date Open : XXXX XXXX XXXX Exp XXXX XXXX XXXX Reported : XXXX XXXX XXXX Exp XXXX XXXX XXXX Reported : XXXX XXXX XXXX Exp XXXX XXXX XXXX Balances High Credit : XXXX XXXX {$2800.00} Exp {$2800.00} XXXX {$0.00} BalancesHigh Credit : XXXX XXXX {$2600.00} Exp {$2600.00} XXXX {$2800.00} No dates for the last report, date late, and previous payment are not 100 % accurate. 

XXXX XXXX XXXX ( Never Late Paid off by insurance ) Date Open : XXXX XXXX XXXX Exp XXXX XXXX XXXX Date Open : XXXX XXXX XXXX Exp XXXX XXXX XXXX Reported Active : XXXX XXXX XXXX Exp XXXX XXXX XXXX Reported Active : XXXX XXXX XXXX Exp XXXX XXXX XXXX 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 consumer reporting agency can not furnish account without my written instructions.

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