Consumer complaint received 2024-12-07 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: FL

Complaint narrative:
I have been disputing inaccuracies on my credit reports with the three credit bureaus since XX/XX/year>XXXX  without resolution. These errors are severely impacting my ability to secure a mortgage for my family. The following accounts contain specific inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ), and I request immediate investigation and correction : XXXX. XXXX XXXX  ( Account # XXXX ) Inaccuracies : This account is listed as a collection/charge-off with a past due amount of {$1000.00}. 
The last payment was made on XX/XX/year>, and the account was closed on XX/XX/year>. 
Payment history inconsistencies are noted between XXXX, Experian, and XXXX, with XXXX reporting " NONE REPORTED '' while Experian and XXXX show derogatory statuses. 
Requested Action : Due to these reporting discrepancies and unresolved dispute status, I request this account be deleted from all three credit bureaus. 
2. XXXX  XXXX ( Account # XXXX ) Inaccuracies : This account is open and reported as current, but there are late payments reported in XXXX and XX/XX/year>. 
XXXX and Experian show 30- and 60-day late payments, while XXXX shows consistent reporting errors.Dispute remarks indicate prior disputes, but the errors remain unresolved. FCRA Violation : Inaccurate reporting despite previous disputes violates 611 of the FCRA. Requested Action : Update the account to reflect no late payments and accurate payment history across all bureaus. 
XXXX. XXXX  ( Account # XXXX ) Inaccuracies : The account is reported as open, but payment history shows multiple late payments ( 30, 60, 90, 120 days ) starting in XXXX XXXX and XXXX show discrepancies in the timeline of these late payments. FCRA Violation : Reporting inconsistent and inaccurate late payments despite current account status. Requested Action : Update the account to reflect no late payments and correct reporting. 
XXXX. XXXX ( Account # XXXX ) Inaccuracies : This account is listed as a collection/charge-off with a balance of {$510.00}. Payment history is " NONE REPORTED '' across all three bureaus. FCRA Violation : Failure to verify and accurately report account details violates 623 of the FCRA. Requested Action : Request this account be deleted due to unverifiable information and reporting inaccuracies. 
XXXX. XXXX XXXX ( Account # XXXX ) Inaccuracies : Listed as a collection/charge-off with a balance of {$710.00}. Payment history is " NONE REPORTED '' across all bureaus. 
FCRA Violation : Inaccurate reporting of a collection account without verifiable payment history. Requested Action : Request this account be deleted due to lack of verification and inaccurate reporting. 
XXXX. XXXX ( Account # XXXX ) Inaccuracies : Account reported as a collection/charge-off with a balance of $ XXXXInconsistent reporting between Experian and XXXX, with XXXX showing no reported history. FCRA Violation : Failure to ensure maximum accuracy under 607 ( b ) of the FCRA.

Requested Action : Request this account be deleted due to inaccurate and incomplete reporting.

Summary of Violations Failure to Correct Inaccuracies ( 611 FCRA ).

Reporting Inaccurate Information ( 623 FCRA ).

Lack of Proper Verification ( 607 ( b ) FCRA ).

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 non-monetary relief