Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I am writing to file a complaint about several creditors and debt collectors who are inaccurately reporting and updating information on my credit reports. These issues have persisted despite my attempts to resolve them, and the lack of proper investigation is concerning. Below is a summary of the key issues I am facing : Portfolio Recovery Associates : Portfolio is updating my credit report with Activity : Grid Code G ( Collections ) and then reopening the account after closing it, which is inaccurate. They are using outdated and inaccurate credit statements as their means of " verifying '' the account, rather than providing proper documentation to support their reporting. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they are not properly verifying the account information. 
XXXX XXXX : XXXX XXXX continues to update my credit report with inaccurate information. They have not provided proper documentation to verify the validity of the account, yet they keep updating the tradeline with false information. The account should have been deleted due to improper verification, but it continues to affect my credit report. 
XXXX XXXX : XXXX XXXX sent a letter stating that they " do not know the date of the last activity '' on my account. This is a critical piece of information that should be accurately reported. Their failure to properly investigate and report the date of last activity violates the FCRA, and their continued reporting is causing harm to my credit report. 
Fingerhut/WebBank : XXXX has sold my account to XXXX XXXX XXXX XXXX yet they are still reporting and updating the tradeline as if they are the original creditor. Additionally, they failed to provide the documentation I requested to verify the account, which means they are not following proper debt validation procedures. This has led to incorrect information being reported on my credit report, despite the fact that the account has been sold and should no longer be updated by XXXX. 
General Concerns : The errors on my credit report are out of control, and the companies involved are not taking my disputes seriously. The fact that these companies are not properly investigating my disputes and are continuing to update incorrect information is a violation of the FCRA. I am requesting that these issues be thoroughly investigated by the CFPB, and that the companies involved be held accountable for their failure to properly handle my disputes. 
Actions Taken : I have disputed these accounts with the credit bureaus multiple times, but the errors persist. 
I have requested verification and documentation from the creditors, including XXXX XXXX XXXX, First Access, First Premier, and Fingerhut/WebBank, but they have either failed to provide proper documentation or have admitted that they do not have certain critical information ( e.g., date of last activity ). 
These companies continue to update my credit report with inaccurate information, which is severely impacting my credit score and overall financial health.