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. (MI)

Dear CFPB ; In early XXXX of XXXX, I found 5 accounts with errors my credit report. On XX/XX/XXXX, XXXX I notated the errors and filed a written dispute to EXPERIAN to have the errors corrected. I sent the dispute via USPS certified mail, receipt # XXXX XXXX XXXX XXXX XXXX XXXX. 

It has been more than 35 days and I have not received any update from EXPERIAN and yet the errors still remain published in my credit profile. 
I realize that EXPERIAN receives hundreds of disputes everyday but these errors are hurting me. Is there anything that you can do to help me? 

Below are the errors I disputed. 

1. Creditor Name : XXXX XXXXXXXX XXXX Last Updated : XXXX reports nothing while XXXX reports last update XX/XX/XXXX and Experian reports updated XX/XX/XXXX. All three report something different this is inaccurate. 
Payment Status : XXXX reports nothing while XXXX reports the status as charged off and Experian reports an unpaid balance. All three report something different this is inaccurate. 
Payment History : XXXX and XXXX report nothing, while Experian report the charge off XX/XX/XXXX through XX/XX/XXXX. All three report something different this is inaccurate. 
Closed Date : XXXX and Experian report no closed date, while XXXX report the account closed XX/XX/XXXX. All three report something different this is inaccurate. 
Terms : XXXX and XXXX report nothing, while Experian report the account as a revolving line of credit. 
XXXX XXXX : XXXX and Experian report no information, while XXXX report the high balance as {$4700.00}. All three report something different this is inaccurate. 
Delete this Account. 

2. Creditor Name : XXXX ( Open ) Balance : XXXX reports nothing while XXXX and Experian both report the balance as {$210.00}, all report are wrong the balance is {$0.00}. 
Please update this account. 

3. Creditor Name XXXX XXXX XXXX XXXX Last Updated : XXXX reports nothing while XXXX and Experian report the account last updated XX/XX/XXXX. All three report something different this is inaccurate. 
Payment Status : XXXX reports nothing while XXXX reports the status as 60 days late and Experian reports 30 days late. All three report something different this is inaccurate. 
Payment History : XXXX report nothing, while both XXXX and Experian a single 30 day late for XX/XX/XXXX. All three report something different this is inaccurate. 
Balance : XXXX and Experian do not report a balance, while XXXX reports a {$0.00} balance. Again, inaccurate information being reported. 
Closed Date : XXXX and Experian report no closed date, while XXXX report the account closed XX/XX/XXXX. All three report something different this is inaccurate. 
Please correct and update this account. 
4. Creditor Name : XXXX ( Closed ) Duplicate Account reporting : This account is reporting twice on my credit profile. Please delete this account. 
Please delete this account. 

5. Creditor Name : XXXXXXXX XXXX  Last Updated : XXXX reports the account last updated XX/XX/XXXX, XXXX reports the last update XXXX XXXX and Experian reports updated XX/XX/XXXX. All three report something different this is inaccurate. 
Payment Status : XXXX and XXXX both report the status as paid as agreed while Experian reports 90 days past due. All three report something different this is inaccurate. 
Balance : XXXX and XXXX a {$0.00} balance, while Experian does not report at all. All three report something different this is inaccurate. 
Closed Date : XXXX reports the account closed on XX/XX/XXXX, XXXX reports the account closed on XX/XX/XXXX and Experian fails to report a closed date. All three report something different this is inaccurate. 
Please delete this account.