Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX I am writing to formally file a complaint regarding the inaccurate information present on my credit report, which has persisted despite my prior disputes and the subsequent verification process. I believe that the credit bureaus ' handling of this matter has violated my rights under the Fair Credit Reporting Act ( FCRA ) and request the immediate deletion of the erroneous accounts from my credit report. 

These accounts are hurting my ability to get a new apartment. I requested that these accounts be verified for accuracy and they still show inaccurate, misleading, and even outdated information. 
As per the FCRA, it is my right to have accurate and up-to-date information reflected on my credit report, and I have diligently exercised this right by disputing the following accounts on my credit report : XXXX XXXX XXXXXXXX XXXX Still reporting innacurate information across bureaus ( Open date, Past Due, Payment status, Account #, Date of last payment, Date last active ) XXXX XXXX XXXX XXXX Still reporting innacurate information across bureaus ( Open date, Past Due, Payment status, Date of last payment, Date last active ) XXXX XXXX XXXXXXXX XXXX Still reporting innacurate information across bureaus PLEASE VERIFY INFORMATION AND CORRECT PAYMENT HISTORY OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX XXXX Still reporting innacurate information across bureaus PLEASE VERIFY INFORMATION AND CORRECT PAYMENT HISTORY OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX Still reporting innacurate information across bureaus PLEASE VERIFY INFORMATION AND CORRECT PAYMENT HISTORY OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT Despite my efforts, these disputed accounts were claimed to be verified by these agencies, and the inaccurate information persists on my credit report. This is deeply concerning to me as it not only negatively impacts my creditworthiness but also undermines my trust in the accuracy and reliability of credit reporting systems. 

I would like to emphasize that the FCRA requires credit bureaus to conduct a reasonable investigation into disputes and correct any inaccuracies promptly. Given that the verified information remains inaccurate, I am left with no choice but to believe that the credit bureaus have not fulfilled their obligations under the FCRA. 

I kindly request the following actions : Reinvestigate the disputed accounts listed above and ensure a thorough and accurate review or Delete them completely from my report. Also if these accounts are verified, please provide the method of verification so that I can ensure these accounts are being reported correctly. 

Correct and update my credit report to accurately reflect my credit history and financial standing. 

Delete the inaccurate accounts from my credit report in accordance with the FCRA. 

Provide me with a written response outlining the results of your investigation and any actions taken to correct the inaccuracies within 30 days, as mandated by the FCRA. 

Provide me with a free copy of my updated credit report once the necessary corrections have been made. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please provide a written response to this complaint at your earliest convenience.

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