Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern, I asked the 3 mayor credit bureaus ( XXXX, XXXX AND EXPERIAN ) to review some accounts that i thought it had errors and should be updated corrected or deleted. Thay came back stating everything was correct, no errors found that the accounts were validated. How can you say that? Please review all the errors on the accounts listed below : Upon viewing my credit report I notice my XXXX ACCOUNT #. XXXX had a discrepancy in the date opened, last reported, date last active, date of last reported, date of last active and payments sections of the listing. Date opened XXXX and Experian reporting XX/XX/XXXX, however XXXX is reporting XX/XX/XXXX. Also last reported is also showing different dates as well. Same as Date of Last Payment. If this is the same account reported by the same creditor how are these dates different? Because of this apparent neglect ensuring everything on my report is accurate, consistent, and up to date please DELETE this item immediately. 

Upon viewing my credit report I notice my XXXX XXXX  ACCOUNT #. XXXXhad a discrepancy in the date opened, last reported, date last active, date of last reported, date of last active and payments sections of the listing. Date opened XXXX and Experian reporting XX/XX/XXXX, however XXXX is reporting XX/XX/XXXX. Also last reported is also showing different dates as well. Same as Date of Last Payment. If this is the same account reported by the same creditor how are these dates different? Because of this apparent neglect ensuring everything on my report is accurate, consistent, and up to date please DELETE this item immediately. 

Upon viewing my credit report, I notice my XXXX XXXX- ACCOUNT #. XXXXhad a discrepancy in the date opened, last reported, date last active, date of last reported, date of last active and payments sections of the listing. Date opened XXXX and Experian reporting XX/XX/XXXX, however XXXX is reporting XX/XX/XXXX. Also last reported is also showing different dates as well. Same as Date of Last Payment. If this is the same account reported by the same creditor how are these dates different? Because of this apparent neglect ensuring everything on my report is accurate, consistent, and up to date please DELETE this item immediately. 
Upon viewing my credit report, I notice my XXXX XXXX XXXX - ACCOUNT #. XXXXhad a discrepancy in the date opened, last reported, date last active, date of last reported, date of last active and payments sections of the listing. Date opened XXXX and Experian reporting XX/XX/XXXX, however XXXX is reporting XX/XX/XXXX. Also last reported is also showing different dates as well. Same as Date of Last Payment. If this is the same account reported by the same creditor how are these dates different? Because of this apparent neglect ensuring everything on my report is accurate, consistent, and up to date please DELETE this item immediately. Upon viewing my credit report, I notice my XXXXXXXX XXXX- ACCOUNT #. XXXXhad a discrepancy in the date opened, last reported, date last active, date of last reported, date of last active and payments sections of the listing. Date opened XXXX and Experian reporting XX/XX/XXXX, however XXXX is reporting XX/XX/XXXX. Also last reported is also showing different dates as well. Same as Date of Last Payment. If this is the same account reported by the same creditor how are these dates different? Because of this apparent neglect ensuring everything on my report is accurate, consistent, and up to date please DELETE this item immediately. I have enclosed screenshot of your viewing. Please see date opened section. As well as all the other misinformed highlighted dates and information. Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Violation of privacy rights under 15 USC 1692 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) Please delete these erroneous items from my credit report as soon as possible and send me a physical copy of my updated credit reports with the above items showing DELETED. Sincerely. XXXX XXXX

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