Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am reporting fraudulent and inaccurate reporting related to a XXXX account ( Account XXXX. XXXX ) **. This account is fraudulent, and the reporting across Experian, XXXX, and XXXX contains significant discrepancies that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681c-2. 

Below are the specific errors and inconsistencies across the three bureaus : Experian Account Type : Installment Partially Secured Balance : {$430.00} Past Due : {$430.00} XXXX XXXX : {$0.00} High Credit : {$500.00} Payment History Errors : Reports " CO '' ( Charge-off ) consistently throughout XXXX, XXXX, and XXXX, without any XXXX delinquency notations that should have preceded the charge-off status. 
This creates incomplete and misleading reporting, violating FCRA requirements. 
Reported Date : XX/XX/XXXX Comment : XXXX disputes account information. 

XXXX Account Type : Installment Balance : {$430.00} Past Due : {$430.00} ( matches Experian, but still reflects a lack of investigation ). 

XXXX XXXX : {$0.00} ( matches Experian, but the high credit is missing ). 

High Credit : Not listed. 

Payment History Errors : Lists " OK '' statuses in multiple months during XXXX, which is impossible given the reported charge-off status. 
This creates a misleading and inaccurate payment history, as an account in collection or charge-off can not be marked OK. 
Reported Date : XX/XX/XXXX ( different from Experians XX/XX/XXXX ). 

Comment : Account meets FCRA requirements, despite the errors remaining unresolved. 

XXXX Account Type : Installment Partially Secured Balance : {$430.00} Past Due : {$430.00} XXXX XXXX : {$0.00} High Credit : {$500.00} ( only reported correctly here ). 

Payment History Errors : Missing delinquency notations ( XX/XX/XXXX days late ), yet lists charge-off ( " CO '' ) notations from XXXX through XXXX. 
This reflects incomplete and inconsistent reporting across the payment history. 
Reported Date : XX/XX/XXXX ( matches XXXX but differs from Experian ). 

I have taken the following actions : Filed disputes with Experian, XXXX, and XXXX, requesting removal of the fraudulent XXXX account. 
Provided identity theft documentation, including FTC identity theft reports and police reports, to the bureaus. 
Submitted previous complaints with the CFPB, but the reporting remains inconsistent and unresolved. 
Despite these actions, the bureaus have failed to properly investigate or correct the errors, in violation of 15 U.S.C. 1681i. Additionally, none of the bureaus blocked the fraudulent account within 4 business days as required under 15 U.S.C. 1681c-2.

The fraudulent and inaccurate reporting by all three bureaus has : Harmed my credit score, limiting my access to loans, credit, and refinancing opportunities.

Prevented me from exercising my consumer rights by denying me accurate credit reports.

Caused emotional distress and financial hardship.

Subjected me to debt bondage under 18 U.S.C. 1581 by burdening me with debt I do not owe.

These reporting errors, combined with the bureaus ' failure to correct the inaccuracies despite multiple disputes, demonstrate intentional and willful noncompliance under 15 U.S.C. 1681n. 

Inconsistent Payment History : Experian and XXXX report charge-offs without delinquency notations ( XX/XX/XXXX days late ). 
XXXX incorrectly lists " OK '' statuses during periods when the account should have been delinquent or charged off. 
XXXX XXXX Dates : Experian reports XX/XX/XXXX as the last update, while XXXX and XXXX list XX/XX/XXXX, showing inconsistent updates. 
Incomplete Credit Information : XXXX fails to report high credit while XXXX lists it as {$500.00}. 
All bureaus show a {$0.00} credit limit, but inconsistently report other key account details.

Failure to Block Fraudulent Data : None of the bureaus blocked the fraudulent account within the required 4 business days after receiving my identity theft documentation, violating 15 U.S.C. 1681c-2.

Failure to Investigate Disputes Properly : The bureaus failed to conduct reasonable investigations, violating 15 U.S.C. 1681i.