Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding the ongoing inaccurate reporting of an account on my credit report by Experian. This account, despite being fully paid off, continues to be reported with delinquencies, which are both incorrect and damaging to my financial stability, personal reputation, and the well-being of my family. Details of the inaccuracies are below. 
1. Account XXXX XXXX XXXX  Account Last 4 Number : XXXX The account should reflect a paid in full status with no delinquencies or negative remarks. If you cant fix the issue, please REMOVE the account entirely.

This account is inaccurately reported by Experian, even though this has been paid in full. The presence of delinquencies on my credit report is not only wrong but is causing significant harm to my creditworthiness.

The continued reporting of these delinquencies is having a severe impact on my financial life. The inaccuracies have already caused me to lose my job, and I am currently at risk of losing my vehicle and, most importantly, my place of residence. I have four children who depend on me, and the damage caused by these incorrect reports is now threatening my ability to provide for them and maintain stability in our lives. 
These accounts are inaccurately affecting my credit score and tarnishing my character in the eyes of lenders, employers, and others who rely on accurate credit reporting. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which states that credit reporting agencies report accurate, complete, and up-to-date information.

Given the serious and ongoing damage caused by the continued reporting of these inaccuracies, I respectfully request that you investigate this matter and require the removal of these accounts from my credit report entirely. While these accounts are marked as paid, the continued presence of delinquencies and late payment histories on them is unjust and does not reflect the actual state of my financial obligations. The fact that I have already disputed these inaccuracies with the credit bureaus on numerous occasions, I feel that I have valid grounds for requesting that these accounts be removed from my report altogether under the FCRA.

This issue is far from a mere inconvenience. The repercussions of these inaccurate reports have already affected my ability to provide for my family and maintain a stable home environment. The emotional and financial strain caused by this situation is immeasurable, and I urge you to give it the serious attention it requires. I am requesting that these inaccuracies be corrected immediately and that these accounts be removed from my credit report entirely to reflect the truth of my payments.

Thank you for taking the time to consider this complaint. I trust that the Consumer Financial Protection Bureau will assist in ensuring that the credit reporting agencies are held accountable for their failure to correct these inaccuracies, which have caused significant and lasting damage to my life. I respectfully request that you act swiftly to remove these accounts from my report, as the consequences of not doing so will continue to be devastating. 
Please feel free to contact me at [ XXXX ] or [ XXXX ] if you need any further information or documentation. I look forward to your prompt response and assistance in resolving this matter.

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