Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the information that has been reported on my credit report by your agency. The information in question is inaccurate and has caused significant harm to my financial and personal life. 

According to the Fair Credit Reporting Act ( FCRA ) - Sections 1681e ( b ) and 1681i ( a ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report, as well as to investigate and correct inaccurate information on a consumer 's credit report when the consumer disputes it. 
Similarly, the Fair and Accurate Credit Transactions Act ( FACTA ) - Sections 611 ( a ) and 623 ( a ) ( 8 ) require credit reporting agencies to provide consumers with a free annual credit report and to promptly correct inaccurate or incomplete information on their credit reports upon request. 

I am writing to specifically address the inaccurate reporting of my current address. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, yet your agency has reported several other addresses that are not associated with me, including XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX 

Despite my repeated attempts to correct this information, your agency has failed to investigate and correct it. This has resulted in my being denied credit, loans, and even suitable housing. The emotional and financial distress that this has caused can not be overstated. 

I am requesting that you enforce the legal provisions outlined above and take immediate action to remove the inaccurate addresses from my credit report. Additionally, I would appreciate receiving a free copy of my credit report, as required by law, to ensure that this information has been corrected. 

XXXX XXXX XXXX XXXXXXXX According to Experian, I was 90 days late on my account with them, but I have never missed a payment on this account. 

This inaccurate information has had a significant negative impact on my credit score and my ability to obtain credit. As a result, I have been denied credit and loans that I would otherwise have been approved for. This has caused a great deal of stress and XXXX  for me, as I am struggling to make ends meet and support my family. 

Based on the details I have provided, it appears that XXXX XXXX XXXX  violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by providing inaccurate information to Experian about my payment history. This section requires furnishers of information to consumer reporting agencies to provide accurate and complete information regarding a consumer 's credit account. 

XXXX XXXX has reported to XXXX and Experian regarding my credit account. Based on the details I have provided, it appears that XXXX has violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate and complete information. 

XXXX has reported inconsistent dates to both XXXX and Experian. According to XXXX, the last verified date was reported as XX/XX/XXXX, while Experian did not report it at all. The date of last activity was reported as XX/XX/XXXX by XXXX, while Experian reported it as XX/XX/XXXX. Additionally, XXXX reported the date reported as XX/XX/XXXX, while Experian reported it as XX/XX/XXXX. 

These inconsistent and inaccurate reports have had a severe impact on my credit score and ability to obtain credit. I have had to pay higher interest rates, which have resulted in me paying more for my loans and credit cards. This has caused a significant financial burden on my family and me. 

XXXXXXXX XXXX XXXXXXXX XXXX has reported to Experian regarding my account. According to Experian, I was 90 days late on my payments, but I have not missed any payments on this account. Additionally, the payment status reported is a repossession, which is completely false. 

As a result of these inaccurate reports, my credit score has been negatively impacted, making it difficult for me to obtain credit and resulting in higher interest rates. This has caused a great deal of stress and XXXX  in my life, as I have had to put off important financial decisions due to the false information on my credit report. 

I am aware that XXXX XXXX XXXXXXXX has violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to consumer reporting agencies to provide accurate and complete information regarding a consumer 's credit account. I am requesting that you enforce this legal obligation and remove the inaccurate information from my credit report. 

XXXX XXXX has reported to XXXX and Experian regarding my credit account. According to XXXX, the last verified date is XX/XX/XXXX, but Experian did not report it. Furthermore, XXXX is reporting that the date of last activity is XX/XX/XXXX, but Experian is still showing XX/XX/XXXX. Finally, XXXX is reporting that the date opened is XX/XX/XXXX, but Experian is showing XX/XX/XXXX. 

I believe that XXXX has violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by reporting inconsistent and inaccurate information to both credit reporting agencies. The FCRA requires furnishers of information to consumer reporting agencies to provide accurate and complete information regarding a consumer 's credit account. 

XXXX XXXX has reported on my credit report. I believe that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by providing inconsistent and inaccurate information to both XXXX and Experian regarding the last verified date, date of last activity, date reported, and reported balance owed. These inaccuracies have significantly impacted my credit score and my ability to obtain credit. 

According to XXXX, the last verified date is XX/XX/XXXX, but Experian has not reported anything about this account. Additionally, XXXX reports that the date of last activity is XX/XX/XXXX, while Experian reports XX/XX/XXXX. Moreover, XXXX has reported that the date reported is XX/XX/XXXX, while Experian reports XX/XX/XXXX. Furthermore, XXXX has reported a balance owed of {$12000.00}, while Experian reports {$12000.00}. 

These inconsistent and inaccurate reports have resulted in a negative impact on my credit score, making it difficult for me to obtain credit and resulting in higher interest rates. I have experienced financial hardship due to these inaccuracies and have struggled to make ends meet. 

Additionally, XXXX has reported that I was 30 days late on XX/XX/XXXX, when in fact, I did not miss any payments on this account. This inaccurate information has further damaged my credit score and has made it even more challenging for me to obtain credit. 

XXXX XXXX XXXX. As a consumer, I have the right to accurate and complete information regarding my credit accounts, as required by Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 
XXXX and XXXX have violated this section of the FCRA by reporting inconsistent and inaccurate information to both XXXX and Experian regarding the date of last activity, date reported, and date opened. Additionally, XXXX XXXX XXXX has violated Section 1681s-2 ( a ) ( 1 ) ( B ) by failing to correct the inaccurate information they provided. 

Furthermore, I believe that both XXXX and Experian XXXX have violated Section XXXX681i ( a ) ( 1 ) ( A ) by reporting inconsistent and inaccurate information provided by the furnishers. All three creditors may have also violated Section 1681e ( b ) by failing to maintain reasonable procedures to ensure the accuracy of the information they provide. 
These inaccuracies have negatively impacted my credit and my ability to obtain credit at reasonable interest rates. As an example, I was recently denied a loan due to the inaccuracies being reported on my credit report. 

I urge you to enforce the legal requirements of the FCRA and ensure that these creditors remove the inaccurate and inconsistent information from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

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 non-monetary relief