Consumer complaint received 2022-07-05
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: Their investigation did not fix an error on your report

Complaint:
This complaint is being filed against Experian, XXXX XXXX XXXX XXXX, TX XXXX for violation In accordance with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Furthermore, Section 611 ( a ) ( 1 ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I sent ( 4 ) letters in the form of a dispute to Experian Certified Mail XXXX, Certified Mail XXXX, Certified Mail XXXX, and Certified Mail XXXX, all four letters were received and signed by XXXX XXXX on XX/XX/XXXX, and the XXXX letter XX/XX/XXXX. Each of my disputes were returned to me VERIFIED. I sent a second round of letters requesting a re-investigation on XX/XX/XXXX, Certified Mail XXXX, this letter was received on XX/XX/XXXX, signed by XXXX XXXX, and my dispute was returned to me VERIFIED, my XXXX attempt I sent my dispute to Experian requesting the XXXX XXXX XXXX, on XX/XX/XXXX, Certified Mail, this letter was also received on XX/XX/XXXX, and signed by XXXX XXXX. Experian response again was VERIFIED I have listed each account that was supposed to be verified as accurate, or complete. 
I have listed all of the inaccurate accounts that sill remain on my consumer file. 

XXXX XXXX XXXX XXXX  Acct # XXXX The date of last activity is inaccurate. Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX The balance on Experian has been updated to XX/XX/XXXX, this is re-aging this account which is a violation. 
XXXX XXXX Acct XXXXThe date last reported shows inaccuracies because XXXX has XX/XX/XXXX, Experian has XX/XX/XXXX, and XXXX shows XX/XX/XXXX, credit limit for XXXX has XXXX for XXXX, Experian has XXXX and XXXX has XXXX, date of last payment for XXXX was XX/XX/XXXX, Experian has XX/XX/XXXX, but XXXX has XX/XX/XXXX, this is a violation. 
XXXX XXXX XXXX  Acct XXXX This account shows date last active has XX/XX/XXXX for XXXX XXXX Experian has XX/XX/XXXX and XXXX is XX/XX/XXXX, the date last reported XX/XX/XXXX for XXXX XXXX XX/XX/XXXX for Experian and XX/XX/XXXX for XXXX XXXX this is a violation. 
XXXX XXXX Acct XXXX This account has discrepancies in the last active date, XXXX has XX/XX/XXXX XXXX Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX XXXX the last payment is also inaccurate XXXX has XX/XX/XXXX XXXX Experian has XX/XX/XXXX but XXXX has XX/XX/XXXX XXXX this is a violation. 
XXXX XXXX Acct XXXX Experian updated the balance to XX/XX/XXXX, and date last active to XX/XX/XXXX which is re-aging this account, this is a violation. 
XXXX XXXX XXXX Acct XXXX Inaccurate information, last active date has discrepancies XXXX has XX/XX/XXXX and Experian has XX/XX/XXXX, this is a violation. 
XXXX XXXX XXXX Acct # XXXX date last active shows XX/XX/XXXX re-aging this account is a clear violation of the FCRA. The date last reported is inaccurate, it shows XX/XX/XXXX on my recent credit file, this was dispute in XXXX of XXXX, which is clearly not accurate. This is a violation. 
XXXXXXXX XXXX Acct # XXXX The date last reported in inaccurate, XXXX shows XX/XX/XXXX, Experian has XX/XX/XXXX, and XXXX has XX/XX/XXXX, the credit limit is inaccurate, XXXX has XXXX Experian has XXXX and XXXX has XXXX, the date last active XXXX has XX/XX/XXXX, Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX this is a violation. 
XXXX XXXX XXXX XXXX  Acct # XXXX The date last active is inaccurate, XXXX has XX/XX/XXXX, Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX, The amount that XXXX has is different than the amount shown by the original creditor. XXXX has {$5000.00} and Experian has {$5000.00} this must be accurate and complete, Experian has the date opened is XX/XX/XXXX, XXXX has the date opened as XX/XX/XXXX, however, XXXXXXXX XXXX has the open date as XXXX, this is a violation. 
XXXX XXXX XXXX Acct # XXXX This account has a date opened of XX/XX/XXXX and a date of last payment of XX/XX/XXXX, how can this be, this payment date can not be after the open date of this account, this is inaccurate info, this is a violation. 
XXXX XXXX  Acct # XXXX the date last active for XXXX is XX/XX/XXXX, Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX this is not accurate, the original balance is not accurate, Experian is showing original balance of {$6000.00}, however, I have attached proof that this amount was {$5900.00} amount financed. The balance is this account is XXXX and PAID IN FULL this is not accurate, and it is a violation. 
XXXX Acct # XXXX The date last reported is inaccurate for XXXX is XX/XX/XXXX, Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX. Notice of Dispute is missing This is a violation. 
XXXX Acct # XXXX Notice of dispute is missing from my credit report, high credit for XXXX is XXXX Experian has XXXX and XXXX has XXXX, date last active for XXXX is XX/XX/XXXX, Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX these are all inaccuracies, this is a violation. 
XXXX XXXX XXXX Acct # XXXX Inaccurate info reported, the amount owed states XXXX for the credit bureau, the VOD that was sent to me states the amount owed is XXXX, Finwise/Rise XXXX Acct # XXXX There are CO reporting on Experian for XXXX. This is a charge-off, there should not be anything like c/o or payment reporting, this is a violation. XXXX is reporting date last active XX/XX/XXXX and Experian is reporting date last active as XX/XX/XXXX, the history shows on Experian shows CO for XX/XX/XXXX, shows date of last payment as XX/XX/XXXX. The high credit limit has inaccurate amounts listed on my credit report, XXXX has XXXX, Experian has XXXX and XXXX has XXXX information, this is also a violation XXXX Acct # XXXX Inaccurate the last payment dates are different for all 3 Credit Bureaus, the last activity is different, this was not verified XXXX XXXX XXXX Acct # XXXX The last active date was XX/XX/XXXX and Notice of Dispute is missing, this is a clear violation. 
XXXX XXXX Acct # XXXX The high credit limit for XXXX is XXXX, Experian has XXXX and XXXX has XXXX date last reported is inaccurate, XXXX has XX/XX/XXXX, Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX. Date last active is inaccurate, XXXX has XX/XX/XXXX, Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX, date of last payment XXXX has XX/XX/XXXX, Experian has XX/XX/XXXX and XXXX has XX/XX/XXXX, these are all inconsistencies. This is a violation, I sent supporting documentation, along with proof of my address, and social security number.

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