Consumer complaint received 2023-02-14
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:
I have disputed with Experian multiple times about this account XXXX XXXX reporting inaccurate information and asked that the account be corrected or removed immediately. And to no avail they are continuously responding that the incorrect information is verified and accurate. So i will point out the discrepancies here ; ( I have attached a screenshot photo from experian.com that displays the inaccurate account listed on my credit report, i have also circled the discrepancies on the photo. ) 1. Its listed that i was XXXX Days Late XXXX in the months XXXX & XXXX of XXXX, which is INACCURATE as I can not be XXXX  days late consecutively. Which will also make the 90 and 120 day late payments reported INACCURATE as well. 


2. I tried disputing an inaccurate address on my credit report that i never lived at ( address is XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX ) through my experian.com membership and received a notice saying that my dispute cant be processed because the inaccurate account ( XXXX XXXX XXXX previously mentioned is reporting this inaccurate address to my credit report. 
**I have submitted to Experian my drivers license and utility bill proving my residency with the dispute asking the removal of the inaccurate account ( XXXX XXXX ) on XXXX XXXX by mail and all information was deemed Verified and Accurate and remained on my consumer report. 
( I have attached a screenshot of error from experian.com ) i have also attached my drivers license and utility bill here as well to prove residency again. 

3. this account is reporting late payments, which is a violation of my rights per 15 U.S. Code 1681a a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A late payment is a transaction between the consumer ( me ) and the person making the report ( XXXX XXXX ) and it is being illegally reported as per section 2 states the consumer report does not include transactions between the consumer and the person making the report ; Per the FCRA i am in violation of my rights! and i am in distress about all of the false information Experian continues to verify and keep listed on my consumer report.

Company response to consumer: Closed with explanation