Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: VA
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:
Hello, I am writing to dispute the inaccurate information that has been reported on my credit report by XXXX XXXX XXXX The creditor has violated several laws, including the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ). 

Regarding the FCRA violation, XXXX XXXX inaccurately reported a 30-day late payment on my credit report. This has had a negative impact on my credit score and my ability to obtain credit. 

Furthermore, XXXX XXXX violated FACTA by reporting different Date Last Active dates to different credit bureaus, leading to discrepancies in my credit report. These discrepancies have caused confusion and frustration for me. 

In addition, XXXX XXXX violated FDCPA by failing to provide any notification regarding the alleged 60 days past due status of my account. This lack of communication has caused significant stress and XXXX for me, as I was not aware of the situation until seeing it on my credit report. 
Firstly, Experian has inaccurately reported a 30-day late payment on my credit report, without providing any notification or paperwork. I never received any notification from them regarding this account status, nor did they provide me with any paperwork. In fact, the other two credit bureaus did not report any negative information on my account. While all three bureaus show that I was 30 days late on XX/XX/XXXX, I did not miss any payments on this account. This violation of the FCRA is in direct conflict with Section 623 ( a ) ( 2 ), specifically Subsection ( B ) of Section 623 ( a ) ( 2 ).

Secondly, there is a discrepancy in the Date Last Active date that was reported to different credit bureaus by XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX reported a Date Last Active date of XX/XX/2023, while Experian reported it as XX/XX/2023. This violation of FACTA is in conflict with Section 312 ( a ) ( 1 ), specifically Subsection ( B ) of Section 312 ( a ) ( 1 ). 

XXXX XXXX XXXX XXXX and reported by Experian, XXXX, and XXXX. I have been greatly affected by this inaccurate information, which has caused me great emotional distress and financial harm. 

Experian and XXXX have reported that my monthly payment was not reported, but XXXX reports it as {$0.00}. Furthermore, XXXX and XXXX show that my account balance is {$0.00}, but Experian did not report it. This inconsistency could lead to discrepancies in my credit report and affect my creditworthiness. 

Experian has also reported that I was past due 30 days two or three times, even though I never received any notification or paperwork regarding these late payments. Moreover, the other two credit bureaus did not report any negative information on my account. All three credit bureaus reported that I was 30 days late on XX/XX/XXXX and XX/XX/XXXX, even though I did not miss any payments on this account. 

These violations of the Fair Credit Reporting Act have caused me significant distress and hardship. As a result of these inaccuracies, I have been denied credit and have had difficulty securing loans. This has impacted my ability to obtain housing and other necessities. 

XXXX XXXX XXXX XXXX XXXX account. According to all three credit bureaus, I was reported as being 30 days late on my payment on XX/XX/XXXX, but I did not miss any payment on this account. Furthermore, XXXX and Experian have reported the payment status as 60 days past due, but I never received any notification regarding this, nor did they provide any paperwork to support the claim. 

Additionally, there are discrepancies in the Last Reported date and Date Last Active date between the different credit bureaus, which may lead to further errors in my credit report. 

These inaccuracies and discrepancies have had a significant impact on my life. As a result of the negative information on my credit report, I have been denied credit and loans that I needed for my business and personal life. I have also been subject to higher interest rates and fees, which have made it difficult for me to manage my finances effectively. 

I strongly believe that the actions of XXXX XXXX XXXX XXXX and the credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated Section 623 ( a ) ( 2 ), Subsection ( B ) of Section 623 ( a ) ( 2 ), and Section 623 ( a ) ( 1 ), Subsection ( B ) of Section 623 ( a ) ( 1 ). 

I am requesting that you take appropriate action to enforce the legal provisions and ensure that XXXX XXXX XXXX XXXX and the credit bureaus remove these unverified accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX According to Experian bureau, I was 30 days late on my payment on XX/XX/XXXX, and the payment status is past due 60 days. However, I never missed a payment on this account, and the other two bureaus did not report any negative information on my account.

This inaccurate reporting has caused me significant distress and harm. As a result of this error, I have been denied credit, and my credit score has suffered, making it difficult for me to obtain loans and other financial services. This has had a direct impact on my personal life, causing stress and XXXX. 

I believe that XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting my payment status and late payment to Experian, without providing any notification or paperwork as required by law. This violates Section 623 ( a ) ( 2 ) of the FCRA, specifically Subsection ( B ) of Section 623 ( a ) ( 2 ). 

I urge you to enforce the law and ensure that XXXX XXXX XXXX XXXX corrects this error and removes this unverified account from my credit report. Thank you for your attention to this matter. 

Specifically, Experian has reported that I was 30 days late on my XXXX XXXX account on XX/XX/XXXX, and that the payment status is due 30 days. However, I did not miss any payment on this account and the other two credit bureaus did not report any negative information on this account. Additionally, I never received any notification or paperwork regarding this supposed delinquency. 

This inaccurate reporting has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), Subsection ( B ) of Section 623 ( a ) ( 2 ) which requires accurate reporting of payment status and late payment, and Section 623 ( a ) ( 1 ), Subsection ( B ) of Section 623 ( a ) ( 1 ) which requires consistent reporting of information to all credit bureaus. 

XXXX ( account number XXXX ) to XXXX and potentially other credit bureaus regarding my mortgage payment status. Specifically, XXXX mentioned that the payment status is 60 days past due, which is inaccurate and damaging to my credit profile. I have never received any notification from XXXX regarding this 60 days past due account, and they have not provided me with any paperwork to support this claim. Furthermore, the other two bureaus have not reported any negative information on my account, contradicting the claim made by XXXX. 

I believe that XXXX has violated the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Sections 607 ( b ) and 312 ( a ), respectively. These sections require consumer reporting agencies to provide notice to consumers before reporting negative information to their credit reports and to follow reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) has reported inaccurate information on my credit report. My account type is showing as open, even though it is actually a collection account. Furthermore, the creditor never sent me any paperwork notifying me that they had sold my account to a collection agency, which means that I did not receive proper notification as required by law. 

These actions by XXXX XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies and creditors report accurate and complete information to credit reporting agencies ; Section 611 ( a ) ( 1 ), which requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of consumer reports ; and Section 605 ( a ), which requires that credit reporting agencies maintain accurate and complete files on consumers. 

Additionally, the collection agency that purchased my account from XXXX XXXX XXXX XXXX XXXX provide me with written notice of the transfer of my debt within five days of the transfer, as required by the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( a ). This failure to provide proper notice is a violation of FDCPA. 

The false reporting and lack of notification by XXXX XXXX XXXX and the collection agency have had a profound impact on my life. As a result of their actions, I have been denied credit opportunities and have had to pay higher interest rates for loans and credit cards. I have been forced to delay important life milestones, such as purchasing a home or starting a family, due to the negative impact on my credit score.

Therefore, I am requesting that the above-mentioned creditors immediately remove the unverified accounts from my credit report as required by law. I hope that you will take action to enforce these legal requirements and prevent these creditors from continuing to harm consumers like myself. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation