Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I recently received a response from Experian ( Report Number XXXX ) concerning my request for re-investigation of the accuracy of my credit report for : XXXX XXXX XXXX XXXX Accn # : XXXX, information including but not limited to Account History is inaccurate and is not consistent across all three major credit bureaus. 

I reviewed my report back in XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681eb. 

I originally sent a letter on XX/XX/year>, asking them to make sure everything is complete and accurate and here is my tracking number # : XXXX They sent my investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 

For instance, my Account History is inconsistent and inaccurate between Experian ( ref : Report Number XXXX ) and XXXX XXXX ref : File Number XXXX ) yet both claim that they have verified the account with the company that reported it, in this case XXXXXXXX XXXX XXXX Both bureaus are report a 30-day late payment for account # XXXX. However, the dates do not match. So how then can both bureaus report different conflicting dates if they both attest to have confirmed the accuracy of their information with the same company that reported it? 

So again, on XX/XX/year>, I sent a letter requesting a re-investigation to ensure everything is complete and accurate and here is my tracking number # : XXXX This time I requested the confirmation of Experian 's investigation methods, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demanded that Experian provide actual proof of my information was verified, not a computer generated confirmation.

Specifically : 1. The names and business address of each individual with whom Experian verified the information concerning accn # XXXX, so that I may follow up.

2. The date Experian contacted the individual furnishers of information.

3. The method of communication Experian used to verify the information But Experian did not comply to my request and is in violation of violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). 

In my dissatisfaction, I filed a complaint with the CFPB, claim # XXXX. 

Experian responded to my dispute on XX/XX/year>, after they requested more time to more thoroughly investigate the matter, according to CFPB claim # XXXX. However, my dispute resulted with information 'not changed '. And again XXXX referenced the same Report Number XXXX from back in XXXX. 

The only change I have noticed concerning accn # XXXX is that it is now reported as XXXX XXXX XXXX accn # XXXX on my Experian Credit Report, and XXXX accn # XXXX on other Experian reporting platforms. The same account number with different account names. Only leading to further inconsistency, inaccuracy and confusion. 

Please see my attached supporting documentation. 

Thank you for judicial attention to this matter.