Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed information that I saw on my credit report that I identified as not mine, needing to be verified, and as reporting inaccurately. Some of the account items that were not mine/reporting inaccurately were deleted, while other items stayed on the report. With the items that stayed on the report, I was usually given a generic " account has been verified '' answer, with no explanation as to how these items were verified. And usually with each round of dispute, I was just given the same generic " account verified '' type of answer, with no explanation.

According to the Fair Credit Reporting Act, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

Also, Consumer reporting agencies may not report outdated negative information, usually after 7 years. But I have proof that the 3 credit bureaus have been reporting inaccurate and untimely information. 

1 ) From my Identity XXXX XXXX credit bureau report, the account labeled as " XXXX XXXX  '' is reporting a different account number and different date opened on my Experian and XXXX reports, but not reporting on XXXX at all. Also, from my MyFICO 3 bureau report, the names are not the exact same and the comments are not the same either- this account is reporting inaccurately 2 ) From my XXXX  XXXX report, the account labeled as " XXXX XXXX XXXX '' w/ the {$15000.00} credit limit, this account has 2 different account numbers and 2 different open dates on the report from Experian and XXXX XXXX and not reporting at all on XXXX XXXX - this account is reporting inaccurately 3 ) From my XXXX  XXXX report, there is an account labeled " CARD ASSETS '' w/ a {$5600.00} high limit, and still showing a balance. The " date opened '' dates are not the same. Also, the names are not the same on the MyFico reports. This account is not showing on XXXX. - This one is not accurate 4 ) From my XXXX  XXXX report, there are 2 accounts labeled as " XXXX XXXX XXXX '', with a {$10000.00} credit limit and a {$15000.00} credit limit. Their " date opened '' dates are different with both set of accounts. On each individual report from Experian and XXXX, the account numbers appear differently, but both account numbers are supposed to represent the same account. XXXX does not have these 2 accounts on their reports. - These 2 accounts are inaccurate 5 ) From my XXXX  XXXX report, there are 2 accounts labeled as " XXXX XXXX XXXX  XXXX '', with one account showing a credit limits of {$6500.00} and another account showing a {$1700.00} credit limit, and both with balances showing left. With both accounts, the account numbers on each report for the same account are different. With the account showing the {$6500.00} credit limit, the " date opened '' dates are different. And while XXXX is not reporting {$6500.00} credit limit account anymore, XXXX was reporting different late payment dates than Experian or XXXX. On my MyFico three bureau report, XXXX calls the company name as " XXXX XXXX XXXX  XXXX '' while Experian reports the company name as " XXXX XXXX  ''. Each individual report reflects the name difference as well. - Both of these accounts are inaccurate 6 ) The last part of the complaint is only for XXXX. They have an account that is still showing on my report with them named " XXXX  ''. This account reflects a negative comment on their report, and at one time, the report stated false late payments. Either way, the account shows the date last active as XX/XX/XXXX, which is about true. The date of this complaint submission is XX/XX/XXXX, which is past the 7 year mark that this account should be showing. So why is this account still on my reports? This is an untimely account and should have automatically been deleted. They need to delete now. Also, there are 2 inquiries showing on my reports that I did not initiate. One inquiry is from XXXX saying that XX/XX/XXXX is the date of initiation. I do not have an account showing on any report that reflects this account, nor does any account reflect the timing of this inquiry. The other inquiry is from XXXX XXXX saying that the date of initiation date is XX/XX/XXXX. I did not initiate any inquiry on this date, and there is no account on any report that matches the name AND date of this inquiry. Neither inquiry is mine, and XXXX failed give any resolution for this matter, only giving a generic answer that each inquiry was " verified ''. I wish for both inquiries to be deleted. 

I will upload all documents to prove my case. Documents will include credit reports, dispute letters, certified letter tracking number receipts, and typical response letters.

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