Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2023, I filed a dispute with XXXX, XXXX, and Experian addressing incorrect information in my credit report, specifically regarding the following items : 1. I was never late on this account. How XXXX report no late payments, Experian two lates and XXXX one. This is a billing error. 
XXXX XXXX XXXX Account Number : XXXX Update to paid as agreed. 
2. Under 15 US CODE 1692g Validation Of Debts XXXX XXXX Account Number : XXXX Please Remove This From My Credit Report Immediately 3. Under 15 US CODE 1692g Validation Of Debts XXXX Account Number : XXXX Remove this account immediately. 
4. Furnisher is required to put notice of dispute. Account disputed XXXX XXXX 2023. 
XXXX XXXX Account Number : XXXX Remove this account immediately. 
5. XXXX accounts are late by default and can not report a late payment status. 
XXXX XXXX XXXX  XXXX  Account Number : XXXX Remove this account immediately. 
6. Under 15 US CODE 1681e ( B ) Compliance Procedures Maximum Possible Accuracy XXXX  XXXX Account Number : XXXX Delete this account immediately. 
7. Under 15 U.S.C Section 1681i Paragraph 5 Treatment of Inaccurate or Unverifiable Information. High Balance and Account Rating inconsistent between all three bureaus. 
XXXX XXXX Account XXXX : XXXX Please delete this account immediately. 
8. Please explain how XXXX is reporting a " Late 120 Day '' payment status while Experian is reporting a " XXXX ''. XXXX XXXX XXXX Account Number : XXXX Delete this account immediately. XXXX XXXX is inaccurate. 
9. Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy. Payment status is inaccurate. 
XXXX XXXX XXXX Account Number : XXXX Delete this account immediately. 
10. Under 15 US Code 1681i Treatment of Inaccurate or Unverifiable Information. Account status inaccurate. Experian reports " Closed '' while XXXX reports " Open '' XXXX XXXX XXXX Account Number : XXXX Remove this account immediately. 
11. Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy. XXXX XXXX XXXX Account Number : XXXX Remove this account immediately. 
How are you reporting this account when it was sold to another lender? XXXX Account XXXX : XXXX Please remove this account at once. 
The previous address mentioned on my report- I never resided here. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Remove this address from my credit report The previous address mentioned on my report- I never resided here Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I am filing a complaint against the CRAs for multiple violations of my FCRA rights. First, they failed to remove or update inaccurate information on my credit report after I disputed it, which is in violation of [ 15 U.S.C. 1681i ] ( a ) ( 5 ) ( A ) ( i ). They also neglected to note the disputed information in subsequent reports, as required by [ 15 U.S.C. 1681i ] ( c ). 

Additionally, the furnisher of the disputed information did not provide notice of my dispute, violating [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ). It also appears that XXXX, XXXX, and Experian have not followed reasonable procedures to ensure accuracy, which is in violation of [ 15 U.S.Code 1681e ] ( b ).

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