Consumer complaint received 2023-06-01
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: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal complaint against XXXX, a creditor reporting information on my credit reports, and XXXX, Experian, and XXXX, the credit reporting agencies. I have discovered significant discrepancies and conflicting information on my XXXX credit reports, which are causing substantial financial harm and hindering my ability to secure a mortgage for a home purchase. 

The crux of the issue lies with two XXXX accounts that are being reported to all three credit reporting agencies. Although the accounts are the same, the information being reported to each agency differs significantly, resulting in inconsistent payment histories and misleading representations of my creditworthiness. 

Upon noticing these inconsistencies, I promptly initiated an investigation dated XXXX/2023 in accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ) ( B ) ( ii ). XXXX, Experian, and XXXX each claimed to have conducted an investigation and assured me that any inaccuracies would be rectified. However, despite their assertions, the updated credit reports dated XXXX/2023, XXXX/XXXX/2023, XX/XX//2023, and XXXX/2023, all contain the same exact inaccurate and harmful payment history being reported in three different ways to each of the three agencies This continued inconsistency is deeply concerning and proves without a doubt that a fair investigation was not conducted, as the discrepancies remain unresolved. 

The gravity of this situation can not be overstated. These discrepancies have caused me significant financial damages, as they have negatively impacted my creditworthiness and hindered my ability to obtain a mortgage for my intended home purchase. Despite my repeated attempts to resolve the matter, a fair investigation has not been completed, thereby prolonging the adverse effects on my financial standing. 

In light of these circumstances and in accordance with 15 U.S.C. Section 1681i ( a ) ( 1 ) ( A ) & 15 U.S.C. Section 1681i ( a ) ( 5 ) ( A ), I demand that the two XXXX accounts in question be promptly and permanently deleted from my credit reports. Furthermore, I request a thorough and impartial investigation into the handling of my dispute by XXXX, Experian, and XXXX, to ensure that all relevant facts are considered and the appropriate actions are taken to rectify this situation. 

I have attached copies of the conflicting credit reports, along with any relevant correspondence and documentation, for your review and reference. I kindly request that you investigate this matter promptly and provide me with a written response outlining the actions taken to address these discrepancies. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure a fair resolution and rectify the damages caused by these inaccuracies. I eagerly await your response.

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