Consumer complaint received 2024-06-13 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: MI

Complaint narrative:
RE : 15 U.S. Code 1681e - Compliance procedures ACCOUNT IN QUESTION : XXXX XXXX XXXX XXXX I pulled a copy of my credit reports on all three bureaus, XXXX , Experian and XXXX and noticed an account that is grossly inaccurate. I need this account corrected/updated immediately to reflect maximum accuracy within my credit file.

Erroneous entries include ; date opened, high credit, balance, last reported, date last active, late payments. I have clearly notated these errors, please see attached screenshot of the account in question.

Uniformity is key when reporting a consumer 's information onto his/her credit file ACROSS ALL CREDIT REPORTING AGENCIES.

The late payments listed on this account are erroneous and inaccurate and need to be UPDATED TO PAID ON TIME AND NEVER LATE for dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

More specifically : 15 U.S. Code 1681e ( b ) THE LAW CLEARY STATES : ( a ) Identity and purposes of credit users 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. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Please forward this information to the creditor in question as they are liable to correct this information under 15 USDC 1681s-2.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I am experiencing great hardship over this account and am getting close to being homeless as I am unable to obtain a mortgage with this delinquent account.

Please complete this investigation within 30 days of your receipt of this dispute, notify me, and update my credit report on Experian, XXXX and XXXX to reflect validated/verified accurate information including PAID ON TIME/NEVER LATE on my payment history log as I was NEVER LATE ON THIS ACCOUNT. within 30 days of your receipt of this dispute. Thank you for your assistance in 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