Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: NC
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:
After 7+ months of calling and writing XXXX Experian and XXXX requesting them to investigate, update, modify, and or remove the inaccuracies on my credit reports, and also filing a complaint with CFPB on XX/XX/XXXX with DOCUMENTATION proving the inaccuracies and the FCRA laws they were violating, they recently notified me that they have completed their investigations and Verified In Writing while attesting to the FACT that the information contained in my reports were Valid and Accurate. 

Well, I have documentation that the information in my credit reports are STILL Inaccurate, Outdated, as well as in violation of the FCRA. 

Under 15 U.S. Code 1681i of the Fair Credit Reporting Act, The Treatment of Inaccurate and Unverifiable Information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; If a thorough investigation was completed and the information supplied by the data furnishes was accurate, why do my credit reports reflect INACCURATE information on the same accounts yet reported to different Credit Reporting Agencies? 


XXXX XXXX XXXX XXXX Auto Loans Acct # XXXX ending in XXXX and XXXX : Dates of Last Payment, Dates Last Active Payment History Differ at XXXX and Experian. Also on XXXX Experian reports CURRENT and XXXX reports Late 30 Days. 

These accounts are Joint with my wife XXXX and found to be Inaccurate and Removed from XXXX! 

XXXX XXXX XXXX Account # XXXX Amount {$8800.00} Date Last Active and Date of Last Payment both differ at XXXX and Experian. Experian shoes CO Charged off XX/XX/XXXX but reporting as as an Open Account Late 180 Days at Experian and Late 120 Days at XXXX?! The date the account was opened is incorrect. To prove this the original creditor is listed on my XXXX Report ( which I am attaching ) which reflects the Date opened to be XX/XX/XXXX in the amount of {$8800.00}. and it is being reported as XX/XX/XXXX. Which is further grounds for removal As Aforementioned, My Rights have been violated and Ive suffered denials to extensions of credit, higher interest rates, and financial hardship due to these inaccuracies reporting on my credit and NOT Afforded a Fair and Accurate Credit Score. 

Furthermore XXXX and Experian have ALSO Improperly used my credit report and have violated the FCRA because 15 U.S.C 1681 Section 602 A States I have a Right To Privacy. 

15 U.S.C 1681 Section 604 A Section 2 States : A Consumer Reporting Agency can not furnish an account without my written instruction. 


There has been ample opportunity for the data furnishers to modify, update, correct, or Remove the inaccuracies they have reported so further attempts to modify or update violate the FCRA

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