Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

After a recent inquiry about my credit report I noticed that the information on my account was inaccurate, invalidated, and that the agencies were not reporting with 100 % accuracy. This has caused me to have XXXX XXXXXXXX and is affecting my mental well being. XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I am demanding that the credit profile be deleted with all XXXX of the major credit reporting agencies. 

The account above has flawed/ inaccurate information dispersed between XXXX different credit reporting agencies in XXXX XXXX XXXX XXXX and Experian. First inaccuracy is the date account opened which differs from the XXXX ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ) from XXXX which is inaccurate showing ( XX/XX/XXXX ). There was only one possible date the account could have been opened and thus the information reported on the XXXX is inaccurate and I demand it get deleted not updated as result. Second inaccuracy is the number of terms reported on the account which differs from the XXXX ( XXXX ) and Experian ( XXXX ) from the XXXX report ( XXXX ), which again is inaccurate because their is no possible way the loan could have been opened with a 0 month term which undeniably deems it inaccurate and I demand XXXX delete the item of my credit profile in full ; I do not wish for the information to be updated just for the account to be deleted in full. Third inaccuracy reported was the date of last payment reported which differs from the XXXX ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ) ; this is also inaccurate on XXXX and Experian because the payment could not of been reported on XX/XX/XXXX if not made on the XXXX and for this I demand XXXX and Experian again delete the account completely off my credit profile. The fourth inaccuracy is the date last active which differs from all three credit agencies XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) which also proves inaccurate reporting on all three reporting agencies behalf because there can only be XXXX day last active on the account and for this I demand that all three reporting agencies delete the account off my credit profile ; again I don not wish for the accounts to be updated, I demand for a violation of my consumer reporting rights that the accounts be deleted off my credit report entirely.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have tried to communicate to the companies involved through the BBB otherwise known as the XXXX XXXX XXXX and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects my mental health, sanity, and well being. I demand this account be removed off my credit report due to the laws stated above for the inaccuracies, misrepresentation, and questionable items on this credit account.