Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I received results from a dispute to verify the accuracy of the following accounts on my report. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXXXXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXXXXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX ( {$840.00} ) XXXX. XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX Account XXXX XXXX. XXXX OF XXXX Account XXXX ( {$5100.00} ) XXXX. XXXX XXXX XXXX XXXX Account XXXX ( ORIGINAL BALANCE {$7100.00} ) XXXX. XXXX XXXX XXXX XXXX Account XXXX ( ORIGINAL BALANCE {$22000.00} ) XXXX. XXXX XXXX XXXX XXXX Account XXXX ( ORIGINAL BALANCE {$2900.00} ) XXXX. XXXX XXXX  Account XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX XXXX The FCRA states the following : Section 1681e ( b ) ** of Title 15 of the United States Code ( 15 USC 1681e ), mandates that consumer reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The FCRA states the following : The following 2 accounts Remained with this explanation : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
XXXX. XXXX XXXX XXXX XXXX Account XXXX ( ORIGINAL BALANCE {$22000.00} ) a. XX/XX/XXXX states 30 days late and XX/XX/XXXX jumps to 90 days late. This is inaccurate because one can not go from being 30 days late to 90 days late. 

XXXX. XXXX XXXX XXXX XXXX Account XXXX ( ORIGINAL BALANCE {$2900.00} ) a. XX/XX/XXXX states 30 days late and XX/XX/XXXX jumps to 90 days late. This is inaccurate because one can not go from being 30 days late to 90 days late. 

The following 2 accounts were labeled verified and updated. 

XXXX. XXXX XXXX Account XXXX ( {$840.00} ) - In XX/XX/XXXX status shows ND and in XXXX status shows 60 days. You can not accurately calculate Date of First lat payment is there is no first late payment date showing XXXX. XXXXDEPT OF ED Account XXXX ( {$5100.00} ) - XXXX of XXXX shows CURRENT and XXXX of XXXX shows 90 days. Inaccurate! 

With these inaccuracies, I find it hard to believe that Experian followed reasonable procedures to assure maximum possible accuracy of the information concerning me on the report. If so, these inaccuracies would have been found since they are the professionals and experts. At this point their actions seem intentional and my ability to attain credit has greatly been impacted in a negative way. 

As a result, I want the 4 accounts I pointed out ( evidence enclosed ) to show pays as agrees/no missed payments until a reasonable investigation can be completed and my ability to attain credit wont be affected in a negative way.

Also, I want the other accounts listed to be removed due to the fact that Experian has shown that they have NOT performed a reasonable investigation to ensure maximum accuracy on the reporting of my credit history.