Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I am writing to formally lodge a complaint and seek your assistance in resolving ongoing issues I have been facing with Experian, one of the major credit reporting agencies, regarding the accuracy of my credit information. I have deep concerns about the discrepancies between my credit reports from various credit reporting agencies, particularly concerning my XXXX XXXX ( XXXX ) account, as well as other accounts listed on my Experian report. My primary objective in contacting you is to ensure that my credit reports accurately reflect my financial history, by the laws and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

XXXX XXXX ( XXXX ) Account Discrepancy : I previously initiated a dispute with Experian regarding the accuracy of the information related to my XXXX account. In this dispute, I provided evidence supporting my claim that the information reported by Experian was inaccurate. 
Contrary to my expectations, Experian conducted an investigation but failed to perform an accurate one, as evidenced by the fact that the inaccurate information remains on my Experian credit report. 
XXXX, on the other hand, promptly deleted the disputed information for XXXX from my credit report upon finding that inaccuracy, highlighting a significant inconsistency between the reports of the two major credit bureaus. 
Inaccuracies in Other Accounts : In addition to the XXXX account, there are discrepancies in my credit reports related to my XXXX XXXX XXXX XXXX ( XXXX XXXX ) account and XXXX account. These accounts are incorrectly reporting that I have 31 late payments on my Experian report, whereas my other credit reports indicate only 6 late payments. 
Further, my XXXX XXXX account is reporting 1 late payment on Experian, while no late payments are being reported on XXXX and XXXX. This inconsistency is a source of significant concern and impacts my creditworthiness. 
Unauthorized Collection Account ( XXXX XXXX ) : I have noticed an entry from XXXX XXXX on my credit report, for which I have no contract or agreement. This collection agency did not provide me with the requested information, and I have not heard from the previous collection entity in more than two years. 
I believe that this account does not belong on my credit report, and its inclusion is unjustified and inaccurate. I also have different amounts owed as well. 
Given the aforementioned issues, I kindly request the following actions be taken by the Consumer Financial Protection Bureau : Review and Investigate : I request that the CFPB review and investigate my case to ensure that Experian is complying with all relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 
Delete Credit Reporting Inaccuracies : I ask for assistance in ensuring that the inaccurate information related to my XXXX, XXXX XXXX, XXXX ( paid to delete, different information from all three ), and XXXX XXXX accounts is promptly deleted and that any unauthorized entries, such as the XXXX XXXX account, are removed from my credit report. 
Enforce Compliance : I urge the CFPB to take any necessary actions to ensure that Experian and other credit reporting agencies adhere to consumer protection laws and conduct accurate investigations in response to disputes. 
I believe that these actions are essential to ensuring the accuracy and fairness of my credit reports. I also understand that the CFPB has the authority to investigate and address such matters, and I kindly request your prompt attention to this issue. 

Please feel free to contact me at XXXX XXXX XXXX if you require any additional information to proceed with the investigation. 

Thank you for your time and consideration, and I look forward to a timely resolution of this matter.