Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I the consumer am writing to dispute the following information that appears on my consumer report due to inaccuracies from credit reporting agencies XXXX, XXXX and Experian. According to The Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. I have the right to make sure my private information is correct and accurate. Please see accounts below : Dispute XXXX : XXXX XXXX XXXX XXXX Account # XXXX - INACCURATE REPORTING On XXXX the last payment made reports on XX/XX/XXXX but payment history reflects last paid on time payment was in XX/XX/XXXX with Term Duration listed as XXXX and account date closed is blank. XXXX indicates last payment was made on XXXX/XXXX/XXXX but payment history reflects last paid on time payment was in XX/XX/XXXX with Term Duration listed for 84 months, account date closed on 4/30/2023. Experian indicates blank on last payment but payment history reflects XX/XX/XXXX with Term Duration listed for 84 months with no account closed date listed.. 


Dispute 2 : XXXX XXXX XXXX XXXX Account # XXXX - INACCURATE REPORTING On XXXX the last payment made, reports on XX/XX/XXXX but the payment history reflects last paid on time in XX/XX/XXXX, with a term duration listed as 7 and no closed date listed. XXXX reports last payment was made on XX/XX/XXXX but payment history reflects last paid on time payment was made in XX/XX/XXXX with a Term Duration of 72 months with an account closed date of XX/XX/XXXX. Experian reports blank on last payment but payment history reflects XX/XX/XXXX with Term Duration listed as 72 months with no account closed date listed. 

Dispute XXXX : XXXX XXXX XXXX Account # XXXX -INACCURATE REPORTING XXXX reports last XXXX was made on XX/XX/XXXX but payment history reflects last paid on time payment was in XX/XX/XXXX with no closed date listed.TransUnion reports last payment made was XX/XX/XXXX but payment history reflects last paid on time payment was XX/XX/XXXX with an account closed date of XX/XX/XXXX. Experian reports a payment of {$0.00} on XX/XX/XXXX and also {$50.00} on XX/XX/XXXX payment date but payment history reflects last paid on time payment was XX/XX/XXXX with no account closed date listed. 


Dispute XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment was made on XX/XX/XXXX but payment history reflects last paid on time payment was on XX/XX/XXXX with no closed account date listed. XXXX reports last payment date was made on XX/XX/XXXX but payment history reflects last paid on time payment was made in XX/XX/XXXX with an account closed date of XX/XX/XXXX. Experian reports last payment was made on XX/XX/XXXX for {$6.00} but payment history reflects last paid on time payment was made in XX/XX/XXXX with no closed account date listed. 


Dispute XXXX XXXX XXXX XXXX - INACCURATE REPORTING XXXX reports last payment was made on XX/XX/XXXX with no account closed date listed. XXXX reports last payment XX/XX/XXXX with an account closed date off XX/XX/XXXX. Experian reports last payment history paid on time was made on XX/XX/XXXX with no account closed date listed. 


Dispute XXXX XXXX XXXX XXXX XXXX XXXXI XXXX - INACCURATE REPORTING XXXX XXXX XXXX payment was made on XX/XX/XXXX but payment history reflects last paid on time payment was made on XX/XX/XXXX with a closed date of XX/XX/XXXX. XXXX reports last payment was made on XX/XX/XXXX but payment history reflects last paid on time payment was made in XX/XX/XXXX with an account closed date of XX/XX/XXXX. Experian reports last payment of {$56.00} on XX/XX/XXXX and {$0.00} on XX/XX/XXXX but payment history reflects last payment made on time was made on XX/XX/XXXX with no account closed date listed. 


Dispute 7 : XXXX XXXX - INACCURATE REPORTING XXXX reports last payment was made on XX/XX/XXXX but payment history reflects last payment paid on time was in XX/XX/XXXX with no account closed date listed. XXXX reports last payment was made on XX/XX/XXXX but payment history reflects last paid on time payment was XX/XX/XXXX with a closed account date listed as XX/XX/XXXX. Experian reports last payment was made on XX/XX/XXXX for {$52.00}, {$100.00} on XX/XX/XXXX and {$0.00} on XX/XX/XXXX but payment history reflects last current payment was made on XX/XX/XXXX with no account closed date listed. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, XXXX are not maintaining reasonable procedures. In accordance to The Fair Credit Reporting Act and The Privacy Act of 1974 5 U.S.C. 552a as my rights have been violated