Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am writing to dispute the inaccurate reporting of my credit information by XXXX XXXX, specifically regarding my account with the number XXXX. XXXX XXXX has consistently violated the Fair Credit Reporting Act ( FCRA ) by reporting inconsistent information to the XXXX credit reporting agencies, namely Experian, XXXX, and XXXX. 

XXXX XXXX has reported this account as a revolving credit card on Experian, while XXXX and XXXX list it as an account type detail. Additionally, there are discrepancies in the reported monthly payment amounts and balances among the three agencies, which has caused significant confusion and frustration for me as a consumer. 

Furthermore, XXXX XXXX failed to report a due date to any of the credit reporting agencies, and reported blank seeds for every bureau, which may indicate a failure to report accurate information. As a result of these violations, my credit report has been negatively impacted and my ability to obtain credit has been severely hindered. 

This inaccurate reporting has had a profound effect on my life. I have been denied credit opportunities and have been subjected to higher interest rates, which has made it difficult for me to make important purchases and achieve my financial goals. I am deeply frustrated and distressed by XXXX XXXX 's disregard for the laws designed to protect consumers like me. 

Therefore, I am requesting that you enforce legal actions against XXXX XXXX for these violations of the FCRA. Additionally, I demand that XXXX XXXX remove these unverified collection accounts from my credit report immediately. I appreciate your prompt attention to this matter and look forward to a favorable resolution. 

I am writing to dispute several inaccuracies that have been reported on my credit reports by XXXX XXXX XXXX  XXXX. Specifically, the account associated with account number XXXX is listed as an Account type detail by XXXX and XXXX, but it is actually a revolving credit card as reported by Experian. Furthermore, there are discrepancies in the reporting of monthly payment amounts and payment statuses across the three credit reporting agencies. XXXX and Experian report the monthly payment as {$00.00}, while XXXX does not report it at all. Each bureau also has blank fields for the number of months ' terms, indicating a failure to report accurate information. Additionally, XXXX and XXXX report the payment status as Paid or paying as agreed, while Experian reports it as Current but 30 days past due. These inconsistencies are causing significant harm to my creditworthiness and have impacted my life in many ways. 

I have been denied credit for things like a car loan, a mortgage, and even a cell phone plan. As a result, I have been forced to rely on high-interest loans and credit cards, which have put me in a difficult financial situation. It has also caused me a great deal of emotional distress and anxiety, as I feel like I am constantly struggling to keep up with bills and payments. I believe that XXXX XXXX XXXX XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ), including Section 623 ( Responsibilities of furnishers of information to consumer reporting agencies ), Subsection ( a ) ( 1 ) ( A ) ( Duty to provide accurate information ), Subsection ( b ) ( Guidelines for accuracy and integrity of furnished information ), Subsection ( e ) ( Duty to correct and update information ), and Subsection ( i ) ( Treatment of voluntary payment agreements ). Additionally, there are violations of the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 312 ( Reasonable procedures to ensure accuracy of credit report information ). 

I am requesting that you enforce the legal requirements for accurate and timely reporting of credit information, and I would also like to request that XXXX XXXXXXXX XXXX XXXX remove these unverified collection accounts from my credit report. Thank you for your attention to this matter. 
I am writing to dispute the inaccurate and inconsistent reporting of my credit information by XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX to the three credit reporting agencies, Experian, XXXX, and XXXX. This has caused significant damage to my credit score, which has had a profound impact on my life. 

I want to bring to your attention the violations committed by these creditors. XXXX XXXX  ( Original Creditor : XXXX  ) XXXX has violated the law by reporting different account types to different credit bureaus. Additionally, they reported different payment statuses to different credit reporting agencies. Finally, they left blank seeds for every bureau, indicating a failure to report accurate information. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has also violated the law by inconsistently reporting the account type among the three credit reporting agencies. This has resulted in inaccurate information being reported, damaging my credit score. 

Similarly, ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX has violated the law by reporting different payment statuses and account types to different credit reporting agencies. This is a clear violation of the Fair Credit Reporting Act, which is meant to protect consumers from such practices. 

Finally, XXXX XXXX XXXX has violated the law by inconsistently reporting the account type and different payment statuses to different credit reporting agencies. This has had a significant impact on my credit score and has caused me to experience significant financial hardship. 

I would like to emphasize the significant impact this has had on my life. Due to these inaccuracies, I have been denied credit, faced high-interest rates on loans, and have had difficulty securing employment. My credit score is essential to my financial well-being, and these violations have caused me significant emotional distress and financial hardship. 

Therefore, I request that you enforce the legal requirements and ask these creditors to remove these unverified collection accounts from my credit report. 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