Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This promulgated complaint is asserted against all three credit reporting agencies of XXXX, XXXX, and Experian for reporting incorrect, incomplete, and unverifiable information that is violating the Fair Credit Reporting Act and or the 14th amendment to the United States Constitution under the due process clause. The said account at issue is called XXXX XXXX under account number # XXXX. A dispute was filed with all three bureaus contesting the numerous errors and discrepancies and all 3 bureaus denied my disputes and stated all the information in their reports was correct and was verified. No other disputes are pending or been filed on this account. In support of this complaint, the herein consumer incorporates a copy of his smart credit 3 bureau report so all 3 reports can be seen side by side by side so all errors and discrepancies can be seen so all will see that all 3 reports are completely different and in no way can be considered correct or be verified when all are so different. The said errors are as follows : 1. Both XXXX and XXXX report the high balance as XXXX. Contrary, Experian reports the high balance as XXXX. 2. Both XXXX and XXXX reports date of last activity as XX/XX/XXXX. Contrary, Experian reports XXXX. as XX/XX/XXXX. 3. Both XXXX and Experian report date of last payment as XX/XX/XXXX. Contrary, XXXX reports date of last payment as XX/XX/XXXX. 4. XXXX and Experian both report credit limit as XXXX. Contrary, XXXX reports the credit limit as XXXX. 5. Both Experian and XXXX reports are missing Date verified. 6. XXXX, Experian, and XXXX reports are missing Date account was closed. 7. XXXX report under dispute status says account is not disputed. Contrary on same XXXX report under Creditor 's remarks, it says account is disputed. Both can't be correct. 8. XXXX report under Creditor 's remarks says account is disputed. No disputes exist or are pending. Once the dispute process was completed, XXXX was legally obligated to remove all codes and remarks from the account regarding being disputed. XXXX failed to remove all codes and remarks from the account. 9. Experian report shows under dispute status that account is not disputed. Contrary on same report under Creditor 's remarks it says account is disputed. Both can't be correct. It is or isn't disputed. 10. Experian report under Creditor 's remarks says account is disputed. Once dispute process is over, Experian was obligated to remove all codes and dispute remarks from the account or report which Experian failed to do. 11. XXXX report shows under dispute status and Creditor 's remarks that account is disputed. No disputes are pending and XXXX was legally obligated to remove any and all dispute codes or dispute remarks from the report and XXXX failed to do so. 12. XXXX report is missing all payment history from it's 2 year payment history calendar. 13. Finally, all three bureaus report Different payment history under their 7 yeardays late history. XXXX reports XXXX, XXXX, XXXX. Experian reports XXXX, XXXX, XXXX. XXXX reports XXXX, XXXX, XXXX. All are different. No way can all 3 bureaus verify all information as correct when all 3 reports have so many discrepancies and mismatched information from same account.

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