Consumer complaint received 2024-09-07
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Request for Reinvestigation and Removal of Inaccurate Information ( 3rd Time ) Reference : Fair Credit Reporting Act ( 15 USC 1681i ( a ) ( 5 ) ( A ) ) Dear CFPB I am writing to formally request a reinvestigation of the following accounts listed in my consumer file, which I believe contain inaccurate information. As per the Fair Credit Reporting Act ( 15 USC 1681i ( a ) ( 5 ) ( A ) ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me in my consumer file. 
Despite previous disputes, the following accounts continue to reflect incorrect details. I urge you to conduct a thorough and reasonable reinvestigation to determine the accuracy of this information and delete the inaccurate items from my consumer file. 
Account Name/Account Number : XXXXXXXX XXXX XXXXXXXX / [ Account Number XXXX ] Inaccuracy : There are significant discrepancies in the reporting of the account information across different credit bureaus, particularly concerning payment history, balance details, and account status. 
Specifics : High Balance : XXXX reports a high balance of {$13000.00}, while Experian reports {$0.00}. This inconsistency suggests that the high balance information has not been accurately updated across bureaus. 
Last Verified Date : XXXX lists the last verified date as XX/XX/XXXX, but Experian does not report a verification date. This lack of consistency indicates that the account verification process may not have been applied uniformly. 
Date of Last Activity : Both XXXX and Experian report the date of last activity as XX/XX/XXXX ; however, the subsequent account activity reported by XXXX suggests ongoing discrepancies. The last activity date should be accurately verified. 
Date Reported : XXXX reports the date as XX/XX/XXXX, while Experian lists it as XX/XX/XXXX. The accurate date reported should be consistent across both bureaus. 
Balance Owed : Both XXXX and Experian show a balance owed of {$0.00}, but the payment history and account status suggest discrepancies in how this account was closed or charged off. This needs to be verified and corrected. 
Closed Date : XXXX reports a closed date of XX/XX/XXXX, but Experian does not provide a closed date. The closed date should be consistent and accurate across all reports. 
Account Status : Both bureaus report the account as " Paid, '' but XXXX includes the remark " Payment after charge off/collection '' and " Canceled by credit grantor, '' while Experian states, " Account has been closed due to inactivity '' and " Unpaid balance reported as a loss by credit grantor. '' These differences in status and remarks should be reconciled and accurately reflected in all reports. 
Payment History : Experian reports delinquencies ( 30 days late in March 2024, 60 days late in XXXX and XX/XX/XXXX, etc. ), while XXXX shows no late payments reported. This discrepancy in payment history should be thoroughly investigated and corrected. 
Days Late - 7 Year History : XXXX reports no late payments, while Experian reports late payments in multiple months. This inconsistency must be addressed to ensure the accurate reporting of the payment history. 

Action Requested : Please conduct a comprehensive reinvestigation to ensure that all details, including the high balance, payment history, account status, and remarks, are accurately and consistently reported across all three credit bureaus. Any inaccuracies or inconsistencies should be corrected or deleted from my consumer file as required by the Fair Credit Reporting Act. 
You have 15 days from the receipt of this letter to conduct a reasonable investigation and rectify the inaccuracies as required by law. I expect all necessary changes to be made to my consumer file and for these changes to be forwarded to me at the address provided above. 
Please consider this my formal request for a reinvestigation and ensure that the inaccuracies are corrected promptly. I look forward to receiving confirmation of the changes made to my file. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX