Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Account XXXX XXXX XXXX XXXX ( XXXX ) was disputed with Experian on XXXX Report Number : XXXX due to the account reporting " Missing, inaccurate, and outdated information '' Experian failed to comply with FCRA 15 U.S.C 1681i ( 4 ) " 15 U.S. Code 1681i is a part of the Fair Credit Reporting Act ( FCRA ) and deals with the procedures in case of disputed accuracy of information in a consumer 's credit report. Heres a summary of the key provisions related to " inaccurate or incomplete '' reporting : ( 4 ) Correction or Deletion of Inaccurate or Incomplete Information : If, after the reinvestigation, the disputed information is found to be inaccurate, incomplete, or unverifiable, the CRA must promptly delete or modify that item of information. 

In the comment section Experian states " This item remains unchanged from our processing of XXXX dispute ''. This shows a willingness by Experian to report inaccurate, incomplete, and outdated information on my credit report which is injurious and damaging to the perception of my credit worthiness XXXX. Address identifier number " Not Available ''. Address is one of the main things that attaches a consumer to the account. If it is " Missing or Inaccurate '' and the " Credit Agency ( Experian ) can not verify the account must be deleted. There's a strong possibility that the account may be mixed and merged with my son 's XXXX XXXX XXXX XXXX information. 

XXXX. " Account History is reporting inaccurate when it reports " No Data ( ND ) ''. " Accuracy and Completeness : Under the FCRA, credit reporting agencies are required to maintain accurate and complete information. If the " No Data '' entry leads to a misleading portrayal of your credit history or if it omits significant information that should be reported, it might be considered incomplete and potentially a violation. 
XXXX. " Date of Status is reporting XX/XX/XXXX ''. This suggests that the account has not been updated since XX/XX/XXXX, which brings to question that if Experian did do a " Reasonable investigation '' in XXXX and a reinvestigation XXXX, why is the account not updated to reflect the current status : The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. The status section showing a date of " XX/XX/XXXX '' when it is currently " XX/XX/XXXX '' could be problematic if it reflects outdated or misleading information about the account 's current status. 

Accuracy : If the date in the status section implies that the account status has not been updated in over a year and a half, it could lead to inaccuracies regarding your current credit standing. For instance, if you have made payments, settled the account, or any significant changes occurred since XX/XX/XXXX, those should be reflected in the status section. 
Timeliness : The FCRA requires that information in your credit report be updated regularly to ensure it accurately reflects your current credit status. Outdated information could mislead lenders and others who review your credit report.