Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Deletion of Inaccurate Reporting of collection Account, XXXX XXXXXXXX XXXX The date of account opening reported by Experian contradicts the account opening date mentioned by XXXX. The last active date associated with this collection account is reported as XX/XX/2022 according to Experian, whereas XXXX report the last activity as a different date. Additionally, there is an inconsistent reporting of the high credit limit associated with this account. XXXX reports it as {$360.00}, while Experian shows a high credit limit of {$0.00}. I have not mentioned XXXX because after disputing all three consumer reporting agencies, I have already recieved notification from XXXX of the deletion of this account. I have attached a screenshot below showing the reflecting deletion appearing with in my credit monitoring app. Furthermore, I would like to emphasize that the reporting of these items to my consumer report is in direct violation of my written dissent. In accordance with the provisions outlined in 15 U.S. Code 1681b, reporting such information does not fall within the permissible purposes of consumer reports, especially considering my explicit instruction to forbid the inclusion of these items in my consumer report. In conclusion, I would like this account deleted from my consumer report immediately. I do not consent to this account being reported to my consumer report ( 15 U.S. Code 1681b ). Also after requesting a reinvestigation of this account, all three credit reporting agencies responding with the account updated and or verified by the furnisher ( however continuing to report inaccurately and contradictory towards each other as outlined above ). I have repeated the process of reaching out to the consumer reporting agencies to notify them on the continuing inaccuracies and contridictions being reported even after being asked to investigate. This is when XXXX then deleted this account, while XXXX and Experian continue to report inaccurate and contradictory information against my written consent. 15 U.S. Code 1681c2 Report contained in letter mailed to each consumer reporting agency. 15 U.S. Code 1681b I do not consent to this information being reported to my consumer report. 15 U.S. Code 1681e Information being reported is inaccurate and contradicting from one agency to the next even after requesting a reinvestigation and two out of three of the main consumer reporting agencies keeping the inaccurate information reporting while XXXX being the first to delete this inaccurate account so far. 15 U.S. Code 1681i The consumer reporting agency has previously reinvestigated this matter and are still currently reporting inaccurate information in this matter. This inaccurate reporting is continuing even after being informed/notified that information is inaccurate previously. 15 U.S. Code 1681n After being notified XXXX and Experian are willfully failing to comply with requirements imposed under this subchapter 15 U.S. Code 1681o After being notified XXXX and Experian are negligent in failing to comply with requirements imposed under this subchapter XXXX XXXX XXXX without prejudice UCC 1-308

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