Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint for inaccurate information reported on my credit report by Experian, XXXX XXXX, & XXXX. Despite my previous attempts to resolve this issue directly with Experian, XXXX XXXX, & XXXX. The inaccuracies persist, and I am seeking the CFPBs assistance in addressing this matter. 
Account Information : I recently reviewed my credit report from Experian, XXXX XXXX XXXX XXXX XXXX and identified the following inaccuracies : XXXX XXXX- account # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date opened XX/XX/XXXX, XXXX is XXXX open date XX/XX/XXXX, & XXXX is reporting date opened XX/XX/XXXX. 
2nd Inaccuracy Experian is reporting a late payment in XXXX of XXXX, I do not recall being XXXX days late in XXXX of XXXX, Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress the XXXX day late payment in XXXX of XXXX, and update my account is paid as agreed with no late payments. 
XXXX-account # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date opened XX/XX/XXXX, XXXX is reporting date opened XX/XX/XXXX XXXX is reporting date opened on XX/XX/XXXX XXXX Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting date last active as XX/XX/XXXX, XXXX is reporting last active date as XX/XX/XXXX, and XXXX is reporting last active date as XX/XX/XXXX. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date opened XX/XX/XXXX, XXXX is reporting date opened on XX/XX/XXXX. XXXX has suppressed this account from being reported. 
2nd Inaccuracy : PAYMENT STATUS IS INACCURATE, Experian is reporting the payment status as XXXX XXXX days, while XXXX is reporting XXXX XXXX days. XXXX has suppressed this account from being reporting 3rd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. XXXX has suppressed this account from being reporting. This is a sign of a re-aging account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date opened XX/XX/XXXX, XXXX is reporting date opened on XX/XX/XXXX. XXXX has suppressed this account from being reported. 
2nd Inaccuracy : PAYMENT STATUS IS INACCURATE, Experian is reporting the payment status as XXXX XXXX days, while XXXX is reporting XXXX XXXX days. XXXX has suppressed this account from being reported 3rd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. XXXX has suppressed this account from being reported. This is a sign of re-aging account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date opened XX/XX/XXXX, XXXX is reporting date opened on XX/XX/XXXX. XXXX has suppressed this account from being reported. 
2nd Inaccuracy : PAYMENT STATUS IS INACCURATE, Experian is reporting the payment status as XXXX XXXX days, while XXXX is reporting XXXX XXXXXXXX days. XXXX has suppressed this account from being reported 3rd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XXXX. XXXX has suppressed this account from being reported Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX XXXX # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date opened on XX/XX/XXXX. XXXX and XXXX have both suppressed this account. 
2nd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting the last active date XX/XX/XXXX, Experian is reporting the last active date as XX/XX/XXXX. Experian is reporting date of last payment as XX/XX/XXXX. This is a sign of re-aging the account. Both XXXX XXXX XXXX has suppressed this account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX XXXX # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date opened XX/XX/XXXX, XXXX is reporting date opened on XX/XX/XXXX. XXXX is reporting date opened XX/XX/XXXX. 
2nd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. XXXX is reporting the last date active as XX/XX/XXXX. This is a sign of re-aging the account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX XXXXaccount # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date openedXXXX XXXX XXXX is reporting date opened on XX/XX/XXXX XXXX XXXX is reporting date opened XX/XX/XXXX. 
2nd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. XXXX is reporting the last active date as XX/XX/XXXX. This is a sign of a re-aging account. 
3rd Inaccuracy : Account says SOLD TO XXXX XXXX XXXX, this would be considered a duplicate account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX XXXX-account # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date opened XX/XX/XXXX, XXXX is reporting date opened on XX/XX/XXXX XXXX is reporting date opened XX/XX/XXXX. 
2nd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. XXXX is reporting last active date as XX/XX/XXXX. This is a sign of a re-aging account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX XXXX-account # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date opened XX/XX/XXXX, XXXX is reporting date opened on XX/XX/XXXX. XXXX is reporting and open date of XX/XX/XXXX 2nd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. XXXX is reporting last active date as XX/XX/XXXX. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX XXXX-account # XXXX Inaccuracies : 1st Inaccuracy : LAST REPORTED DATE IS INACCURATE, Experian is reporting the last reported date as XX/XX/XXXX, XXXX is reporting the last reported date as XX/XX/XXXX, and XXXX is reporting the last reported date as XX/XX/XXXX. 
2nd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting the last active date as XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. XXXX is reporting the last active date as XX/XX/XXXX. This is a sign of re-aging the account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX-account # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date opened XX/XX/XXXX, XXXX is reporting date opened on XX/XX/XXXX. XXXX has suppressed this account from being reported. 
2nd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. XXXX has suppressed this account from being reported. This is a sign of a re-aging account. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX XXXX account # XXXX Inaccuracies : 1st Inaccuracy : LAST REPORTED DATE IS INACCURATE, Experian is reporting last reported date of XX/XX/XXXX, XXXX is reporting last reported date of XX/XX/XXXX XXXX has suppressed this account. 
2nd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting date last active of XX/XX/XXXX, XXXX is reporting date last active is XX/XX/XXXX, XXXX has suppressed this account from being reported. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX XXXX account # XXXX inaccurate account # no account number reporting Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date opened XX/XX/XXXX, XXXX and Experian has suppressed this account from their credit file. 
2nd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting the last active date XX/XX/XXXX, XXXX and Experian has suppressed this account from their credit file. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 
XXXX-account # XXXX Inaccuracies : 1st Inaccuracy : DATE OPENED IS INACCURATE, Experian is reporting date opened XX/XX/XXXX, XXXX is reporting date opened on XX/XX/XXXX. XXXX is reporting the date opened on XX/XX/XXXX. 
2nd Inaccuracy : DATE LAST ACTIVE IS INACCURATE, Experian is reporting the last active date XX/XX/XXXX, XXXX is reporting the last active date as XX/XX/XXXX. XXXX is reporting the date last active date as XX/XX/XXXX. 
Requested Outcome : Please reinvestigate this account as it pertains to the inaccuracies I stated above. If you can not verify, and or correct the inaccuracies of this account, please suppress this account from being reported on my Experian credit file. 


Previous Actions Taken : I have previously contacted Experian on XX/XX/XXXX to dispute this inaccurate information. Despite my efforts, Experian has not corrected the report or provided a satisfactory resolution. [ Attach any correspondence or confirmation receipts from Experian if available. ]