Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have previously disputed accounts XXXX XXXX and XXXX XXXX  on my consumer report with XXXX Experian and XXXX based on inconsistent and inaccurate reporting.. 

XX/XX/XXXX I sent XXXX a letter based on no notice of dispute and lack of furnisher updating the date they reported proving they did a investigation XX/XX/XXXX I sent experian and XXXX a dispute based on inaccuracies XX/XX/XXXX experian sent me results verifying XXXX  XXXX as accurate XX/XX/XXXX experian sent me results verifying XXXX XXXX  as accurate XX/XX/XXXX XXXX  sent me results verifying both of these accounts as accurate. 

I also took it upon my self to get a new credit report from XXXX dated XX/XX/XXXX to see if XXXX had any updates and I noticed XXXX updated the date these accounts were reported XX/XX/XXXX. I never received my results having to do with these accounts. to my understanding the furnishers of these accounts can not report disputed infromaitn without sending the consumer a written notice that these accounts have been disputed. not only is XXXX NOT reporting the account numbers that are suppose to be attached to these accounts but they lack reported information. XXXX failed to notice of dispute the XXXX XXXX  account but the furnisher updated information XX/XX/XXXX XXXX equifax is notorious for not sending written results to me like ever. how am I suppose to know when these accounts have been investigated? 

anyway while looking over all 3 credit reports on both of these accounts I couldn't help but notice all 3 reporting agencies are reporting 3 different running of reporting dates manipulating the date of 1st deliquency to fluctuate. to my understanding there is only 1 date of 1st deliquency date and changing this date is considered illegal activity. why are all three reporting agencies reporting 3 different running of reporting dates and 3 different date of 1st deliquencies? XXXX failed to report a noticed of dispute and failed to update the date updated listing from the furnisher on the XXXX XXXX  account on my results. all 3 of my reports read XXXX XXXX XXXX estimated month and year this item will be removed XX/XX/XXXX Experian On record until XX/XX/XXXX XXXX date of XXXX deliquency XXXX XXXX XXXX putting the running of reporting time XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX estimated month and year this item will be removed XX/XX/XXXX Experian On record until XX/XX/XXXX XXXX date of 1st deliquency XX/XX/XXXX putting the running of reporting time XX/XX/XXXX I've given all 3 credit bureaus a chance to fix these accounst by putting them on notice by bringing errors to their attention and they fail to comply under law. XXXX Experian and XXXX and also the furnishers of these accounts are doing illegal practices and improper procedures that must be handled accordingly. I have had enough damage done to my score and reports. I have done my part with disputing with these agencies and they continue to report inaccurate information AFTER the verify these accounts are reporting accurately. this is unfair to me and at this point everyone is violating my privacy rights. 

please help

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