Consumer complaint received 2025-02-01 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:
Subject : Complaint Regarding Inaccurate Reporting by XXXX on Credit Reports Dear CFPB, I am writing to formally lodge a complaint regarding significant inaccuracies on my credit reports related to my Santander account, as reported by TransUnion, Experian, and Equifax. These inaccuracies are not only misleading but are also causing undue harm to my creditworthiness.

Upon reviewing my credit reports, I noticed discrepancies in the following areas regarding the XXXX account : XXXX. Date of Last Activity ( XXXX ) : * TransUnion reports the XXXX as XX/XX/XXXX, while Experian shows XX/XX/XXXX, and Equifax shows XX/XX/XXXX. 
* These discrepancies directly violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that credit reporting agencies must ensure maximum accuracy in the information they provide.

2. Date Reported : * TransUnion lists the reporting date as XX/XX/XXXX, Experian lists it as XX/XX/XXXX, and XXXX lists it as XX/XX/XXXX, which further demonstrates inconsistencies in reporting across all bureaus.

3. High Balance : * The high balance differs between bureaus, with TransUnion and Experian reporting {$26000.00}, while Equifax lists {$28000.00}. This inconsistency also violates the FCRA 's accuracy standards.

4. Closed Date : * TransUnion incorrectly lists the account as closed on XX/XX/XXXX, while Experian and Equifax fail to provide any closed date, adding confusion and violating 15 U.S.C. 1681i ( a ), which requires timely correction of inaccuracies. 
These errors have led to my account being inaccurately labeled as " Derogatory, '' significantly impacting my credit profile and financial standing. The FCRA explicitly states that I have the right to dispute inaccurate or incomplete information and that credit bureaus must investigate and correct any errors within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). 
I have attempted to resolve these discrepancies directly with XXXX and the credit reporting agencies, but no meaningful action has been taken to address these issues.

Relief Requested : * I request a full investigation into the inaccuracies reported by XXXX and the credit reporting agencies under the FCRA. 
* I demand that all inaccuracies be corrected immediately, including aligning the Date of Last Activity, High Balance, Date Reported, and Closed Date across all credit bureaus. 
* I also request that XXXX and the credit reporting agencies provide me with written documentation confirming the completion of the investigation and the corrections made. 
Failure to act promptly on this matter may leave me with no choice but to pursue legal action under the FCRA, which provides for statutory damages of up to {$1000.00} per willful violation, as well as punitive damages and attorney 's fees ( 15 U.S.C. 1681n ). 
Thank you for your immediate attention to this urgent matter. Please confirm receipt of this complaint and provide a timeline for resolution. I am prepared to provide any additional documentation required to support this investigation. 
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