Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  # XXXX is in violation of the FCRA for inconsistent and inaccurate reporting. XXXX has provided contradictory information to the credit reporting agencies. For instance, the DATE OPENED differs between XXXX ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ), and the ACCOUNT RATING varies between DEROGATORY for XXXX and PAID for Experian. Notably, my Experian report lacks a CLOSING DATE. These discrepancies constitute violations of 15 U.S. Code 1681s-2 ( b ) and 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, which demand consistent and accurate reporting across all credit reporting agencies. I have submitted supporting documentation outlining these violations and discrepancies caused by XXXX. I request an immediate re-investigation and the removal of the account in question due to these infractions. To avoid inevitable legal action under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681o ( a ) ( 1 ) ( A ) for each of these violations, I kindly request that you include a {$3000.00} check as compensation. {$1000.00} per violation for statutory damages sent to the address provided above. XXXX XXXX of XXXX XXXX  # XXXX is in violation of the FCRA for the crimes of Inconsistent Reporting and Inaccurate Reporting. XXXX XXXX has provided inaccurate information to the credit reporting agencies. For instance, the accounts payment history is inconsistent, showing late payments of XXXX, XXXX, XXXX, and 120 days late and then reverting to 90 days late. And I received a letter XX/XX/XXXX stating that the information is accurate and they reported it to XXXX and XXXX but i dont have it reported to my XXXX credit report and if no payment was made after XXXX LATE DAYS, how could it revert back to XXXX LATE DAYS? These inaccuracies constitute violations of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which obligates furnishers of information to ensure the accuracy and integrity of the payment history they provide to credit reporting agencies. I have submitted supporting documentation that outlines these violations and discrepancies committed by XXXX XXXX on my consumer report under the FCRA. I request an immediate re-investigation and the removal of the account in question due to these infractions. Additionally, to avoid inevitable legal action under XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) and XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) for these violations, I kindly request that you include a {$1000.00} check as compensation. {$1000.00} per violation for statutory damages sent to the address provided above. XXXX XXXX  # XXXX is in violation of the FCRA for inconsistent and inaccurate reporting. XXXX XXXX XXXX XXXX has provided inaccurate information to the credit reporting agencies. For example, the account 's payment history shows a XXXX late payment for XX/XX/XXXX on XXXX but on-time for XX/XX/XXXX on Experian. Additionally, the DATE OPENED differs between XXXX ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ), and Experian lacks a closure date while XXXX XXXX DATE CLOSED as XX/XX/XXXX. These inaccuracies constitute violations of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ), which require furnishers to ensure the accuracy and integrity of the payment history provided to all credit reporting agencies.

I have submitted supporting documentation outlining these violations and discrepancies committed by XXXX XXXX XXXX XXXX on my consumer report under the FCRA. I request an immediate re-investigation and the removal of the late payment in question due to these infractions. Additionally, to avoid potential legal action under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681o ( a ) ( 1 ) ( A ) for these violations, I kindly request that you include a {$1000.00} check as compensation for statutory damages. Please send this compensation to the address provided above.

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