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 XXXX XXXX account ( Account No. XXXX ). This account is fraudulent, and the reporting by Experian, XXXX, and XXXX contains significant inconsistencies across balances, credit limits, payment history, and reporting dates. These errors violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681c-2. 

Below are the specific errors and discrepancies across the three bureaus : Experian Balance : {$160.00} Past Due : {$120.00} Credit Limit : {$150.00} Payment History Errors : Charge-off ( " CO '' ) notations appear in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
No 30/60/90-day delinquency notations leading up to these charge-offs, making the reporting inaccurate and incomplete. 
Reported Date : XX/XX/XXXX Comment : Consumer disputes after resolution, but no meaningful correction or investigation has been made. 

XXXX Balance : {$160.00} Past Due : {$100.00} ( conflicts with Experians {$120.00} past-due report ). 

XXXX XXXX : {$0.00} ( incorrect compared to {$150.00} reported by Experian and XXXX ). 

High Credit : {$1.00} ( incorrect and inconsistent ). 

Payment History Errors : Reports " OK '' statuses in several months ( XXXX ), even though the account was supposedly in collection and charge-off status. This is a critical inaccuracy. 
Reported Date : XX/XX/XXXX ( conflicts with Experians reported date of XX/XX/XXXX ). 

XXXX Balance : {$160.00} Past Due : {$120.00} ( matches Experian, but differs from XXXX ). 

Credit Limit : {$150.00} ( matches Experian, but inconsistent with XXXX {$0.00} ). 

High Credit : {$160.00} ( correct, but inconsistent with XXXX {$1.00} ). 

Payment History Errors : Some months reflect charge-off ( " CO '' ) notations, but others are missing, making the history incomplete. 
No 30/60/90-day delinquency notations appear before the charge-offs, creating inconsistencies in the reporting. 
Reported Date : XX/XX/XXXX ( matches Experian but differs from XXXX ). 

I have taken the following steps to address these issues : Filed disputes with Experian, XXXX, and XXXX, requesting the removal of the fraudulent account. 
Submitted identity theft documentation, including FTC identity theft reports and police reports, to all three bureaus. 
Filed complaints with the CFPB regarding the inaccurate and inconsistent reporting. 
Despite these actions, all three bureaus have failed to properly investigate or correct the errors. Additionally, the fraudulent account was not blocked within 4 business days of receiving identity theft documentation, violating 15 U.S.C. 1681c-2. 

The fraudulent and inconsistent reporting by Experian, XXXX, and XXXX has : Harmed my credit score, blocking access to credit, loans, and refinancing opportunities. 
Prevented me from exercising my consumer rights by denying me accurate credit reports. 
Caused emotional distress and economic dependency by wrongfully assigning me debt I do not owe. 
Subjected me to debt bondage under 18 U.S.C. 1581, forcing me into a cycle of financial harm. 

Inconsistent Past-Due Amounts : One bureau reports {$120.00} past due, while another reports {$100.00}. 
Discrepant Credit Limits and High Credit : Credit limits range from {$0.00} to {$150.00}, and high credit is incorrectly listed as {$1.00} on one report. 
Incomplete Payment History : Some reports omit 30/60/90-day delinquencies, even though charge-offs are recorded. 
Charge-off ( " CO '' ) notations are missing from some months, creating gaps in the history. 
One bureau shows " OK '' statuses during periods when the account was supposedly in collection, a clear reporting error. 
Failure to Block Fraudulent Information : None of the bureaus blocked the fraudulent account within 4 business days after receiving my identity theft documentation, violating 15 U.S.C. 1681c-2. 
Failure to Investigate and Correct Errors : All three bureaus failed to conduct a reasonable investigation of my disputes, violating 15 U.S.C. 1681i.