Consumer complaint received 2024-06-27
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. (TX)

Dear CFPB, I am writing to formally file a complaint regarding multiple violations under the Fair Credit Reporting Act ( FCRA ) Section 623 by XXXX XXXX XXXX XXXX and XXXX. Below, I have detailed the issues observed on my credit reports with XXXX, Experian, and XXXX. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Illegal Re-aging on XXXX and Experian : The last activity reported on my XXXX credit report is listed as XX/XX/XXXX. 
The last activity reported on my Experian credit report is listed as XX/XX/XXXX. 
Experian 's 2-year payment history shows two instances of being 60 days late, which is not reflected on XXXX, indicating a discrepancy and potential illegal re-aging. This inconsistency violates FCRA Section 623, and I request the removal of this false information immediately. 

XXXX ( Account # XXXX ) Violation of Reporting Standards : XXXX shows this account as past due, whereas XXXX and Experian both show it in good standing. 
XXXX reports the last activity as XX/XX/XXXX. 
XXXX reports the last activity as XX/XX/XXXX. 
Experian reports the last activity as XX/XX/XXXX. 
Additionally, there are numerous inconsistencies in the 2-year payment history across all three credit bureaus, further indicating inaccuracies and reporting errors. 

Despite my previous complaint, Experian only made a superficial update to the account in question. They failed to address the core issue of the differing dates of last activity among the three credit bureaus. This failure to conduct a full investigation and merely updating the information without verifying its accuracy is a violation of consumer laws. The discrepancies among the reported dates should result in the deletion of the inaccurate information as per FCRA guidelines. 

Given these multiple violations, I request that the inaccurate information be corrected or removed from my credit reports immediately. These discrepancies and reporting inaccuracies have caused significant distress and have adversely impacted my creditworthiness. I urge the CFPB to investigate these matters promptly and ensure that the reporting entities comply with the provisions of the FCRA. 

Enclosed are the documents showing the recent update from Experian, which failed to resolve the core issue. It is evident that the discrepancies in reporting dates among the three bureaus are being used to unfairly damage my credit scores. 

P.S. Experian did finish the dispute report, number XXXX, but all they did was make a superficial modification. They did not conduct a full investigation within 30 or 45 days. If they had, the inaccurate information should have been deleted. Their investigation was incomplete and insufficient. 

The names associated with the account, Name ID # XXXX and Name ID # XXXX, should have been deleted. Additionally, XXXX account XXXX XXXX should have been deleted long ago due to illegal re-aging. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX