Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, as a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate Under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. Also, under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete them from my credit report immediately or I will seek monetary damages : Account Name : XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX The information currently being reported is inaccurate for the following reasons : XXXX  XXXX : Date Opened : The date the account was opened is inaccurate and does not match the documentation provided by the creditor. On Experian the date is shown as XX/XX/XXXX. On XXXX the date is shown as XX/XX/XXXX. Date Last Active : The date of last activity is inaccurate, affecting the calculation of the accounts status and aging. On Experian the date is shown XXXX. On XXXX the date is shown as XX/XX/XXXX. On XXXX the date is shown as XX/XX/XXXX. Date Last Reported : The last reported date is incorrect, reflecting inconsistent reporting practices across all the credit bureaus. High Credit Amount : The high credit amount reported is inaccurate and does not reflect the accounts actual highest balance. Two-Year Payment History : The two-year payment history contains inaccuracies, including XXXX XXXX XXXX XXXX, & XXXX XXXX  from Experian being incorrectly marked as closed and 180 days late, which does not reflect my payment behavior from XXXX. Date Of Last Payment : The date of last payment is inconsistent with my records and contradicts what is reported by the creditor on all three reports. XXXX XXXX XXXX : Date Last Active : The date of last activity is inaccurate, affecting the calculation of the accounts status and aging. On Experian the date shown is XX/XX/XXXX. On XXXX the date shown is XX/XX/XXXX. Date Last Reported : The last reported date is incorrect, reflecting inconsistent reporting practices across all the credit bureaus. Date Opened : The date the account was opened is inaccurate and does not match the documentation provided by the creditor. XXXX XXXX : Date Opened : The date the account was opened is inaccurate and does not match the documentation provided by the creditor. On Date Last Reported : The last reported date is incorrect, reflecting inconsistent reporting practices across all the credit bureaus. Date Last Active : The date of last activity is inaccurate, affecting the calculation of the accounts status and aging. Under the FCRA, credit reporting agencies are required to ensure maximum possible accuracy of all information on my credit report. If this information can not be verified or corrected to reflect complete accuracy across all three credit reporting agencies, I demand that it be removed from my credit report immediately. Additionally, I am requesting that you complete this investigation and provide a written response within 30-45 days of receiving this letter. Failure to address this matter appropriately will result in my pursuing legal action to collect {$1000.00} in damages for each inaccuracy, as provided for under the FCRA. 
I expect prompt action to resolve this matter. Please send a written response to the address listed above or contact me at the provided phone number or email address. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation