Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Dear CFPB, I have tried multiple times to resolve inaccuracies through Experian and directly with XXXX XXXX and have not gotten any resolution for the glaring errors on my credit report. I have been ignored each time and in my opinion, XXXX and Experian have not followed the Fair Credit Act. 
They keep updating me with incomplete and inaccurate information. I have been a victim of the FCRA 's mishandling. This time I am disputing inaccurate, missing, and unverified information through the CFPB. I am entitled to 100 % accurate and correct credit because the FCRA requires it. 

I am requesting that you and the furnishers do a full investigation of the following accounts that I am disputing. Please send a copy of this letter to each furnisher and want you ( and each furnisher ) to do a proper investigation as required by the law. To be clear, I am not asking you to ignore my letter or to send me silly form letters back refusing to investigate. 
Instead, I'm asking you to take this very seriously as I take the accuracy of my credit reports very seriously. It is vital that I have accurate and complete credit reports with all the information verified. 

On my reports, there is contradictory, incomplete, and incorrect information that can not be verified. 
I don't know if this is because the furnishers, who are unreliable sources of information, are giving you false information or whether you are doing a poor job of reporting the data. Either way, now is your chance to do the right thing and it is now the opportunity for the furnishers to do the right. 

For each account I list, make the information 100 % complete and accurate ( and verifiable ) or delete the entire account. 

I want you to thoroughly and properly investigate each and every account described below and investigate each and every error or missing information that I point out to you. And if there are errors or incomplete information, then correct them or delete the entire account. 

I'll identify each account and specifically what I believe is wrong. I appreciate you properly investigating all the items I've identified below. Fix each and every error ( including incomplete information ) on every account or delete all accounts that you will not correct. And make sure you are not just hiding information from me- I want to see everything in my file disclosure, and I want everything in my file to be 100 % accurate and complete, and verifiable. Enclosed is my ID, Proof of Address, and relevant pages from my credit report. 

Accounts:1 Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : - Date Opened : XX/XX/XXXX Errors : 1-Why is the Balance Histories not reported?, Why did XXXX delete it?, Is it supposed to be reported month after month? Is that information missing?, Show me the complete payment history month by month with your balance, your Scheduled Payment each months, how much i paid each month since the account was opened in XX/XX/XXXX until it closed in XX/XX/XXXX, Why did you delete the Balance Histories?, You couldn't verify the account and preferred to block it?, Fix and provide all this months in the Balance Histories or delete the entire account.

2-You claim that the opening date was XX/XX/XXXX but Under the payment history the first report is in XX/XX/XXXX, it is contradictory, the Payment History does not report anything for XX/XX/XXXX, is the opening date wrong? Is the payment History wrong?, which is correct?, Fix this or delete the entire account.

3-Under the payment history, you have ND ( which I understand is No Data ) for the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Why don't you have any data for these months? Why is the data missing?, Fix all the data or delete the entire account. 

4-Under the payment history in XXXX, XXXX and XX/XX/XXXX they report 30 days late in every month, I am supposed to have made payments so that it would not increase to 60 or 90 days late. Where are the payments I made? If I paid something, how much was it?, Why has XXXX deleted that information from the Balance Histories?, Provide this information or delete the entire account. 


Accounts:2 Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$13000.00} Date : XX/XX/XXXX Errors : 1-Why is the Balance Histories not reported?, Why did XXXX delete it?, Is it supposed to be reported month after month? Is that information missing?, Show me the complete payment history month by month with your balance, your Scheduled Payment each months, how much i paid each month since the account was opened in XX/XX/XXXX until XX/XX/XXXX, Why did you delete the Balance Histories?, You couldn't verify the account and preferred to block it? Fix and provide all this months in the Balance Histories or delete the entire account.

2-You claim that the opening date was XX/XX/XXXX but Under the payment history the first report is in XX/XX/XXXX, it is contradictory, the Payment History does not report anything for XX/XX/XXXX, is the opening date wrong? Is the payment History wrong?, i am confused, which is correct?, Fix this or delete the entire account.

3-You report that Recent Payment was in XX/XX/XXXX, but the Updated Status reports another date XX/XX/XXXX, It shouldn't be updated to XX/XX/XXXX?, is this correct?, is this information accurate?, Fix this or delete the entire account. 

4-Under the payment history, you have ND ( which I understand is No Data ) for the months of XX/XX/XXXX and XX/XX/XXXX. Why don't you have any data for these months? Why is the data missing?, Fix all the data or delete the entire account. 

XXXX XX/XX/XXXX to XX/XX/XXXX, XXXX report 30 days late each month, how is this possible? Did I pay something so that it remains 30 days late and not 60 ,90 ,120 days late? If I paid something, how much was it?, Show me the balance for all this months or delete the entire account. 


Finally, after you have completed your investigation, please send me a copy of the investigative results and a complete copy of my complete file. By complete file I mean everything you have on me in your file, and I want you to also include the inquiries made ( hard and soft pulls ) with the reason for each inquiry and a copy of the certification made by each user of my report. Make sure you give me everything that you have on me- do not leave anything out as I understand under the FCRA that I'm entitled to my full file disclosure. 

Please note that for every account I have disputed, unless every piece of missing data is filled in and every inconsistency and every error is accurately fixed or each one of the disputed accounts is deleted entirely, your investigation will not resolve my dispute as to that accounts, and, if that is the case, here is my statement of dispute for each of the accounts that you do not correct 100 % by making complete and accurate : As per my right under Section 1681i, I want you to give me the following information about how you investigated my disputes : " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' Enclosures : ID Proof of Address Pages from Experian Credit Report XXXX : XXXX XXXX XXXX XXXX