Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: MD
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:
I am in receipt of several inaccurate and fraudulent information being reported on my credit report. 

XXXX XXXX XXXX auto loan account number XXXX is reporting as being 30 days late on XXXX . But Experian and XXXX are reporting as paid on time. Which leads me to believe XXXX has made an mistake and it needs to be fixed immediately. If each bureau is reporting the same information for the same account, I don't understand how each bureau is reporting different information. 

Ive previously disputed my XXXX XXXX XXXX credit card account number XXXX late payment fraudulently placed on my credit report for the month of XX/XX/XXXX and it was removed ( Screenshot provided ) Now the same late payments which was disputed and removed. Was now placed back on my credit report but they're now being reported the month prior ( XX/XX/XXXX ) to the previously month which it was originally being fraudulently reported. ( screenshots provided ). 

XXXX XXXX credit card account number XXXX payment are also fraudulently reporting inaccurate information. For the month of XX/XX/XXXX XXXX is reporting paid on time. XXXX and Experian is reporting 30 days late. 
For the month of XXXX Experian is reporting paid on time. XXXX is reporting 30 days late and XXXX isn't reporting anything. Again, if each bureau is reporting the same information for the same account, I don't understand how each bureau is reporting different information. 

XXXX XXXX credit card account number XXXX is reporting inaccurate information. XX/XX/XXXX XXXX is reporting paid on time. Experian and XXXX is reporting 30 days late. XX/XX/XXXX XXXX is reporting 30 days late and Experian and XXXX is reporting 60 days late. 


Pursuant to 15 U.S. Code 1681 ( a ) ( 3 ) & ( 4 ) the Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 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. Which they clearly have not properly exercised. 

These reportings are fraudulent and inaccurate. If each bureau is reporting the same information for the same account, I don't understand how each bureau is reporting different information. Ive tried to remedy this situation with each bureau individually and they each disregarded my complaints which resulted in the violation of section 15 U.S. Code 1681e - Compliance procedures ( B ).

Furthermore each bureau is in violation of several sections of 15 U.S. Code 1681, & 15 U.S. Code 1681b - Permissible purposes of consumer reports, being that I did not give written consent to report. 

I am in receipt of letter from XXXX and it states they have contacted the " Creditor '' and the " creditor has verified to our company that the current status is being reported correctly ''. Thats statement is FALSE. Pursuant to 15 U.S. Code 1602 - Definitions and rules of construction. The term creditor refers ONLY to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required. So for XXXX to state they have contacted me the " Creditor '' is false. I did not and do not validate these alleged late payments being 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