Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern, I recently submitted a verification of the following accounts that appeared to be unfamiliar with me. XX/XX/XXXX, Illinois XXXX XXXX XXXX, a college I attended, had a security incident whereas I and other current and former students personal information was stolen! 
( see enclosed : official letter from Illinois XXXX XXXX XXXX XXXX personal information breach ) Upon further examination of these unfamiliar accounts reported by Experian I began to check the reporting done by your company as well as XXXX and XXXX related to me and found that neither of you three are reporting consistent, accurate, and complete information. According to the FCRA, credit reports are supposed to be accurate, complete, and verifiable! There are a number of eras within the report with several unfamiliar and unverified items in particular. 

My person information must be updated and consistent with the other credit reporting agencies. Your agency is the only agency reporting incorrect personal information. This inaccurate reporting of my contact and or personal information is a violation of the FCRA : 15 U.S.C 1681 In each and every category, Experian reports Items with either completely different totals, findings, some blank from the other reporting agencies. Neither Agency in general have similar information as the other.

Experian couldnt provide me with their methods of investigation as to the verification of the following Accounts : Acct # XXXX XXXX XXXX  Experian Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 


Experian Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 

Experian Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.

Based upon the above 3 inaccuracies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete Account : XXXXXXXX XXXX XXXX XXXX  ) above account Acct # XXXX Self/Lead Experian Date Opened : XX/XX/XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Your Agency as well as XXXX Date Opened dates are inconsistent with XXXX another and I demand that this incorrect unfamiliar account be deleted at once per the FCRA : If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 

Experian Date Last Active : XX/XX/XXXX TransUnion Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 

Experian Date of Last Payment : XX/XX/XXXX TransUnion Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Experian Account Status : Paid XXXX Account Status : Derogatory XXXX Account Status : Paid Account Status should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Experian Payment Status : Late 60 Days XXXX Payment Status : Current XXXX Payment Status : Current Payment Status should be consistent where we have your agency reporting one date and XXXX and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Experian Last Reported : XX/XX/XXXX XXXX Last Reported : XX/XX/XXXX XXXX Last Reported : XX/XX/XXXX Last Reported should be consistent where we have your agency reporting one date and XXXX and XXXX reporting another. Which date is correct? 
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. 
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete Account XXXX Self/Lead These accounts could be as the result of the Illinois XXXX XXXX XXXX Student breach included in the attached documents Experian refuses to update my contact information, with their refusal to correct my contact information subjects me further to potential fraud as I have no association with the following address : XXXX XXXX XXXX XXXX XXXX, IL 60651 15 U.S. Code 1681b - Permissible purposes of consumer reports o ( a ) IN GENERALsubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : o ( 2 ) In accordance with the written instructions of the consumer to whom it relates Further, I request to be forwarded the following proofs of verification of the above accounts, and that failure to provide me with the following documents violates my rights according to the Fair Credit Reporting Act 15 U.S.C 1681 1. Any contracts I signed with the supposed company as I never entered into any contract with any of the above account holders! 
2. Any signed checks with signatures 3. Anything with my social security number 4. Pay Off Disclosure 5. Interest Rate Disclosure 6. Balance History 7. Payment History 15 U.S. Code 1681 ( 4 ) Congressional findings and statement of purpose o ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1692j - Furnishing certain deceptive forms o It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. 
o ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.

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