Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
A few months ago I reviewed a copy of all 3 of my credit reports, Experian, XXXX and XXXX credit reports where I noticed accounts that are reporting inaccurately. It is showing misleading information, as it is showing me late on this account, but that is not accurate. I have already spoke to the creditors who state that I have not been late on these accounts and that i should contact the bureaus responsible. I contacted all 3 bureaus by phone and submitted disputes but they have not responded!! This misleading data is causing great harm to my credit score and its detrimental to my financial well being. As I am aware by researching consumer laws, these inaccuracies on my report are a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT. And it also fall under 15 U.S Code 1666 ( b ) billing error.

4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to obligor.

5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Experian, XXXX, and XXXX are violating the following FCRA law by reporting this inaccurate data : : Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681.

In addition, Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement ofPAID/PAYS AS AGREED, NEVER LATE.

These bureaus are violating multiple FCRA, FCBA laws and i want them to correct this inaccurate data as soon as possible because it is detrimental to my credit score, which is causing me great stress to me and my family and affecting our ability to grow financially and obtain a home loan. I currently serve this country in the XXXX XXXX and it seems unfair to me that these bureaus are allowed to placed erroneous data on my credit reports!!!

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