Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian, XXXX, and XXXX for their failure to properly reinvestigate my dispute and provide the method of verification when requested in accordance with the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I sent a dispute letter to all 3 bureaus mentioned above regarding the account XXXX XXXX  XXXX appearing on my credit report. The dispute letter detailed several grounds for factual dispute of the account ( list provided below ). However, Experian, XXXX, and XXXX failed to properly investigate the dispute and instead verified the inaccurate information. I subsequently sent a letter requesting the method of verification in accordance with Section 1681g ( a ) ( 1 ) of the FCRA, but Experian, XXXX, and XXXX failed to provide the requested information. This failure to properly reinvestigate my dispute and provide the method of verification has resulted in inaccurate information being reported on my credit report, which has damaged my credit score and prevented it from improving despite my efforts to resolve the several inaccuracies on my credit report. Furthermore, I would like to highlight that XXXX has only reported late payments for this account and has not reported any data for on-time payments. This may be considered incomplete or inaccurate reporting under Section 1681e of the FCRA, which requires credit reporting agencies to report accurate and complete information about consumers ' credit histories, including both negative and positive information. 

Account : XXXX XXXX XXXX I have provided documentation of the inaccuracies ( attached ). Here is a detailed explanation of the inaccuracies : Outdated information ( date : Date of last activity inconsistent and inaccurate across all 3 CRAs. Reporting as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, which is is? 
Incorrect date opening : Date of opening inconsistent and inaccurate across all 3 CRAs. Reporting as XX/XX/XXXX or XX/XX/XXXX, which is is? 
Incorrect credit limit : Credit limit inconsistent and inaccurate across all 3 CRAs. Reporting as {$600.00} and {$900.00}, which is it? 
Accounts that are incorrectly reported as late or delinquent : inconsistent and inaccurate across all 3 CRAs. Reporting on time payments XXXX and Experian, but not XXXX. Why are you only reporting my late payments and not my on time payments. This is a direct manipulation of my payment history as my on time payments are not factored into my percentage. 
Incorrect date of last payment : inconsistent and inaccurate across all 3 CRAs. XX/XX/XXXX or XX/XX/XXXX, which one is it? 


If this information was properly verified by these credit reporting agencies, all verified information would be consistent. As you see by my provided XXXX report, there still remain SEVERAL inaccuracies and inconsistencies across all 3 bureaus on this account. 


I disputed this account for inaccurate reporting. The response I received was that these companies verified the information on my credit report was accurate. This is false. I requested a re-investigation. The inaccurate information remains on my report despite my several attempts to remove this inaccurate information from my report. The specific code and section of the FCRA that state that a CRA must remove inaccurate information from a consumer 's report is Section 1681i ( a ) ( 1 ) ( A ). I included this in my letter to the CRAs. This section requires the CRA to promptly delete or modify any information on a consumer 's credit report that is inaccurate or can not be verified. 


In light of these facts, I am requesting that Experian, XXXX, and XXXX take immediate action to correct the inaccurate information on my credit report and provide me with the method of verification as requested in accordance with the FCRA. I am also requesting that the CFPB investigate this matter and take appropriate action to ensure that Experian, XXXX, and XXXX comply with the FCRA in the future. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX This can be submitted in combination for disputing this account across all 3 CRA 's. This is to provide the CFPB additional information on how these 3 agencies have failed and violated my consumer rights.