Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Am in the process of obtaining new credit for my family to get a car and this highly inaccurate information is causing undue stress and higher interest rates. The information is supposed to be 100 % accurate and as you can see none of the credit bureaus are consistent as I have reviewed my XXXX Credit reports and according to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be reinvestigated or deleted from my credit record within 30 days. The XXXX bureaus have not been up to speed or accurate in any way. 

Please see the attached real-time data from my XXXX Credit Bureau reports and I have highlighted/circled the inaccuracies. Kindly during the investigation period, remove the below XXXX tradelines from my credit report as the mere reporting of items without accurate reporting debt validation constitutes collection activity. I Am also requesting the names, addresses & telephone numbers of individuals you contacted during your investigation for my records. 

1>Inaccurate.XXXXAccount Number : XXXXPlease remove from my public record. Please remove it from my credit report. Date opened, activity and last payment are not 100 % accurate and different from the other XXXX Credit Bureaus 2>Incorrect XXXX XXXXAccount NumberXXXXPlease remove it from my credit report. Date opened, activity and last payment are not 100 % accurate and different from the other XXXX Credit Bureaus 3>Inaccurate.XXXX  XXXX XXXX Number : XXXXPlease investigate the history reported on this account.It is absolutely 100 % inaccurate this company does not have any information to verify as they have reported over and over incorrcetly the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 4> InaccurateXXXXAccount Number : - XXXXPlease remove it from my credit report. Date opened, activity and last payment are not 100 % accurate and different from the other XXXX Credit Bureaus 5>The following account is not mineXXXXAccount Number : XXXXThis is not mine. The Original Creditor listed had no valid debt or contract and no right to sell my information to any third party or post anything to my credit reports. 
XXXX Inaccurate.XXXXccount Number : XXXXPlease investigate and delete from my credit report. Please remove it from my credit report. Date opened, activity and last payment are not 100 % accurate and different from the other XXXX Credit Bureaus XXXX Inaccurate.XXXX XXXX XXXXAccount Number : XXXXPlease see attached and as stated above, ensure that all information is accurate/ XXXX Inaccurate.XXXX. Account Number : XXXXPlease investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 09>Inaccurate.XXXX Account Number : XXXX Please remove it from my credit report. Date opened, activity and last payment are not 100 % accurate and different from the other XXXX Credit Bureaus 10>Inaccurate. 
XXXX Account Number : XXXX Please remove it from my credit report. Date opened, activity and last payment are not 100 % accurate and different from the other XXXX Credit Bureaus Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed.

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