Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX RE : FORMAL DISPUTE OF INACCURATE INFORMATION THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 
XXXX  XXXX XXXX The reporting data for this account is incorrect and must be removed. XXXX is reporting the DATE LAST ACTIVE as XX/XX/XXXX. XXXX reports date LAST ACTIVE as XX/XX/XXXX. Experian reports date LAST ACTIVE as XX/XX/XXXX. XXXX is also reporting the date LAST REPORTED as XX/XX/XXXX. This is not consistent or accurate with the other reporting bureaus and must be removed. XXXX date LAST REPORTED is XX/XX/XXXX. Experian date LAST REPORTED is XX/XX/XXXX. EXPERIAN reports the DATE OPENED as XX/XX/XXXX while XXXX reports this date as XX/XX/XXXX. THIS INFORMATION IS INACCURATE AND IS ACTIVELY DAMAGING MY FINANCIAL LIVELIHOOD AND MUST BE DELETED! 

XXXX  XXXX XXXX The reporting data for this account is incorrect and must be removed. XXXX is reporting the DATE LAST ACTIVE as XX/XX/XXXX. XXXX reports date LAST ACTIVE as XX/XX/XXXX. Experian reports date LAST ACTIVE as XX/XX/XXXX. XXXX is also reporting the date LAST REPORTED as XX/XX/XXXX. This is not consistent or accurate with the other reporting bureaus and must be removed. XXXX date LAST REPORTED is XX/XX/XXXX. Experian date LAST REPORTED is XX/XX/XXXX. THIS INFORMATION IS INACCURATE AND IS ACTIVELY DAMAGING MY FINANCIAL LIVELIHOOD AND MUST BE DELETED! 

According to fair credit reporting act, 609. disclosures to consumers [ 15 U.S.C. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. I demand a signed contract with my signature in ink from the creditor. I demand the name, account number, the payment terms, the status of the account, the amount past due, the payment amount, the date the account was opened, date of the last activity on the account, and the balance due on the account sent to me. THIS IS NOT A REQUEST FOR VERIFICATION OF DEBT, THIS IS A DEMAND FOR DELETION DUE TO INACCURACY. FAILURE TO DO SO WILL IMMEDIATELY RESULT IN FILING OF A FORMAL FTC COMPLAINT AGAINST YOUR AGENCY.

The Fair Credit Reporting Act 611. procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I DEMAND ALL UNVERIFIED AND INACCURATE INFORMATION TO BE DELETED FROM MY CREDIT REPORT. PLEASE SEND AN UPDATED COPY OF MY CREDIT REPORTS AND THE RESULTS OF YOUR INVESTIGATION NO LATER THAN 5 DAYS AFTER DELETING THE ACCOUNT. 

I sent the aforementioned letters to XXXX, Experian and XXXX and they have not responded or corrected these errors which continue to adversely affect my credit score.

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