Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the accuracy of the information contained in my credit reports from the XXXX major credit reporting agencies : XXXX, Experian, and XXXX. Specifically, I am concerned about the inaccurate reporting of my name and address, which has had a significant impact on my life. 

My correct name is XXXX XXXX XXXX, but the credit reporting agencies are reporting it as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. This inaccurate reporting of my name has caused confusion and delays in various areas of my life, including obtaining loans, renting an apartment, and even applying for jobs. 

Furthermore, the credit reporting agencies are reporting multiple incorrect addresses that I have never lived at, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. These inaccuracies have caused me to miss important mail, including bills and notices, which has resulted in late payments and even collections accounts on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a duty to ensure the accuracy of the information contained in consumer reports, and to investigate and correct any inaccuracies upon notification by a consumer. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information contained in consumer reports, particularly with respect to identity theft. The California Consumer Credit Reporting Agencies Act ( CCCRA ) also requires credit reporting agencies to reinvestigate and correct any inaccurate information upon notification by a consumer.

After reviewing my report, I have found multiple inaccuracies and errors that have greatly affected my ability to secure loans and credit. 

One of the issues I discovered is an inquiry from XXXX XXXX XXXX on XX/XX/XXXX and another from XXXX on XX/XX/XXXX, which I did not authorize. The FCRA requires that credit reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. I did not grant permission for these inquiries to be made, and therefore their inclusion on my credit report is a violation of the FCRA.

These errors have significantly impacted my ability to obtain credit and have caused me great distress. As someone who has always made timely payments and has been responsible with credit, it is frustrating to see my creditworthiness unfairly tarnished by inaccuracies on my report. 

According to XXXX XXXX XXXX my XXXX report, the Date of Last Activity on my XXXX XXXX account is XX/XX/XXXX, while Experian reports it as XX/XX/XXXX and XXXX XXXX shows it as XX/XX/XXXX. Similarly, XXXX and Experian report the Date Reported as XX/XX/XXXX, but XXXX reports it as XX/XX/XXXX. Additionally, Experian and XXXX reported the Date Opened as XX/XX/XXXX, but XXXX reports it as XX/XX/XXXX. Moreover, XXXX and Experian reported the Last Payment Date as XX/XX/XXXX, while XXXX still shows it as XX/XX/XXXX. Furthermore, XXXX reported the Credit Limit balance as {$600.00}, while Experian reported it as {$680.00}, but XXXX didn't report any balance. 

These inaccuracies have affected my life in significant ways. I have been trying to secure a mortgage for my dream home, but my credit score has been negatively impacted by these inaccuracies. The inaccurate information on my credit report has caused me to be denied the mortgage loan or to receive unfavorable interest rates. This has been devastating for me as I have been working hard to achieve my dream of homeownership, and these inaccuracies are hindering my progress. 

I am aware that these inaccuracies violate several provisions of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports, Section 607 ( c ), which requires credit reporting agencies to provide notice to consumers if they have reported any negative information about them, Section 611, which grants consumers the right to dispute inaccurate information on their credit reports with both the credit reporting agency and the entity that provided the information, and Section 623, which requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within a reasonable amount of time after receiving a dispute from the consumer.

In addition, the inaccuracies violate Section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ), which requires that entities that furnish information to credit reporting agencies must have reasonable policies and procedures in place to ensure the accuracy and integrity of the information they furnish. 

XXXX XXXX According to the information on my credit report, there are discrepancies in the dates of last activity, high balance, date reported, date opened, and last payment reported by the different credit reporting agencies.

This inaccurate information has had a significant negative impact on my life. Due to these discrepancies, my credit score has been affected, and it has become difficult for me to obtain credit, loans, and even housing. This has caused me great stress and XXXX  as I am struggling to maintain a good credit standing and financial stability. 

I believe that XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), Section 607 ( c ), Section 611, and Section 623. The credit reporting agencies have also violated Section 312 of the Fair and Accurate Credit Transactions Act ( XXXX ) by not ensuring the accuracy and integrity of the information provided to them by XXXX XXXX 

XXXX XXXX for account number XXXX. According to XXXX, the reported High Balance is {$770.00}, while XXXX reports it as {$300.00}, and Experian does not report it at all. Furthermore, XXXX reported the Date of Last Activity as XX/XX/XXXX, while Experian reported it as XX/XX/XXXX, and XXXX reported it as XX/XX/XXXX. These discrepancies in reported information may be a violation of Section 607 ( b ) and Section 312 of the FCRA and FACTA respectively. 

Additionally, XXXX and XXXX did not report the Credit Limit balance for this account, while Experian reported it as {$1200.00}. This discrepancy may be a violation of Section 607 ( b ) of the FCRA.

I am requesting that the credit reporting agencies correct or delete this inaccurate, incomplete, or unverifiable information within a reasonable amount of time, as required by Section 623 of the FCRA. I also request that XXXX XXXX remove this unverified account from my credit report altogether. 

XXXX ( account number XXXX ). According to all three credit bureaus, I was reported as 30 days late on XX/XX/XXXX, but I did not miss any payment on this account. 

The inaccuracies in the credit report are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, Section 607 ( b ) of the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The report of a missed payment when there was none may be a violation of this section. Additionally, Section 607 ( c ) of the FCRA requires credit reporting agencies to provide notice to consumers if they have reported any negative information about them. Reporting a missed payment when there was none may be considered negative information.

Furthermore, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to conduct a reasonable investigation of disputed information, and if the information is inaccurate, incomplete, or can not be verified, it must be deleted or corrected. Reporting a missed payment when there was none may be considered inaccurate information. Additionally, Section 623 ( a ) ( 5 ) of the FCRA requires credit reporting agencies to delete or correct information that is incomplete or that can not be verified. Reporting a missed payment when there was none may be considered incomplete or unverifiable information. 

XXXX XXXX XXXX XXXX, account number XXXX. According to all three credit bureaus, I was reported as being 30 days late on XX/XX/XXXX, despite not missing any payments on this account. 

I believe that XXXX XXXX XXXX XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting a missed payment when there was none may be a violation of this section. Additionally, Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 5 ) require credit reporting agencies to conduct a reasonable investigation of disputed information and delete or correct information that is inaccurate, incomplete, or can not be verified. Reporting a missed payment when there was none may be considered inaccurate, incomplete, or unverifiable information. 

XXXXXXXX XXXX XXXX with account number XXXX. According to all three credit bureaus, I was reported as 30 days late on this account, despite not missing any payments. 

I would like to bring to your attention the violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX and the credit reporting agencies. Section 607 ( b ) of the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting a missed payment when there was none may be a violation of this section. Moreover, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to conduct a reasonable investigation of disputed information, and if the information is inaccurate, incomplete, or can not be verified, it must be deleted or corrected. Reporting a missed payment when there was none may be considered inaccurate information. Finally, Section 623 ( a ) ( 5 ) of the FCRA requires credit reporting agencies to delete or correct information that is incomplete or that can not be verified. Reporting a missed payment when there was none may be considered incomplete or unverifiable information. 

XXXX XXXX with the account number XXXX. According to XXXX, the last verified date is XX/XX/XXXX, but Experian did not report anything. Furthermore, XXXX and Experian have reported different dates for the last activity and the date when the account was opened. 

Additionally, the account type is marked as " open, '' but it is actually a collection account. I was never notified by the creditor that my account had been sold to a collection agency. This has caused significant emotional distress and has affected my ability to obtain credit. 

As a result, I believe that XXXX XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ). Section 607 ( a ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting an account type as " open '' instead of " collection '' may be a violation of this section.

Furthermore, Section 607 ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Failing to update the account status after it has been sold to a collection agency and failing to notify the consumer may be a violation of this section.

Moreover, Section 623 ( a ) ( 1 ) ( A ) requires credit reporting agencies to provide accurate information about the date of the last activity on an account. Reporting a different date of last activity on the account between XXXX and Experian may be a violation of this

section. Lastly, Section 623 ( a ) ( 3 ) requires credit reporting agencies to provide accurate information about the date the account was opened. Reporting different dates of when the account was opened between XXXX and Experian may be a violation of this section. 

XXXX XXXX, account number XXXX According to XXXX, the last verified date for this account is XX/XX/XXXX. However, Experian did not report anything on this account. Furthermore, the account type is listed as " open, '' when in fact it is a collection account. I never received any paperwork from the creditor informing me that they had sold my account to a collection agency, and therefore, I was not notified of the change in status of the account.

These discrepancies have caused significant stress and XXXX  in my life. I have been working hard to improve my credit score and have been making timely payments on my current accounts. However, the inaccurate reporting of this collection account has been a significant obstacle in my efforts to rebuild my credit. 

I believe the reporting agencies have violated the Fair Credit Reporting Act ( FCRA ). Section 607 ( a ) of the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting an account type as " open '' instead of " collection '' may be a violation of this section. Additionally, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to conduct a reasonable investigation of disputed information, and if the information is inaccurate, incomplete, or can not be verified, it must be deleted or corrected. Reporting an account type as " open '' instead of " collection '' when it has been sold to a collection agency and failing to notify the consumer may be considered inaccurate or incomplete information. 

XXXX XXXX The account number associated with this dispute is XXXX According to Experian, the Date of Last Activity on this account is reported as XX/XX/XXXX, while XXXX is reporting it as XX/XX/XXXX. This discrepancy is a clear violation of Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to provide accurate information about the date of the last activity on an account.

Additionally, Convergent Outsourcing has failed to report the closed date, last payment date, and account type on this account. This failure to report is a violation of Section 605 ( a ) ( 5 ) of the FCRA, which requires credit reporting agencies to report the date of delinquency on any account placed for collection or charged to profit and loss. 

XXXX XXXX ( account number XXXX ). According to my credit report, the account type is listed as " open '' when it is actually a collection account. I have never received any paperwork from the creditor notifying me that my account had been sold to a collection agency, and I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

This inaccuracy has had a significant impact on my life. I have been denied credit opportunities, such as loans and credit cards, due to this negative information on my credit report. I have been struggling to make ends meet and improve my financial situation, but this inaccurate reporting has made it nearly impossible for me to do so.

I am requesting that you conduct a reasonable investigation of the disputed information and remove the inaccurate account type from my credit report. I believe this is a violation of both Section 607 ( a ) and Section 623 ( a ) ( 2 ) of the FCRA. The credit reporting agencies have a responsibility to assure maximum possible accuracy of the information in consumer reports and conduct reasonable investigations of disputed information. I urge you to take immediate action to correct this error and prevent any further damage to my credit score and financial well-being. Thank you for your attention to this matter. 

Sincerely, XXXX 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 non-monetary relief