Consumer complaint received 2025-01-15 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland [ XXXX ] XX/XX/XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX in Credit Reporting Account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Dear CFPB Representative XXXX XXXX XXXX writing to formally lodge a complaint regarding significant discrepancies in the reporting of an account associated with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies appear on my credit reports from XXXX, Experian, and XXXX and represent violations of federal consumer protection laws, specifically 15 U.S.C. 1681 ( Fair Credit Reporting Act - FCRA ), which governs the accuracy of information on consumer credit reports. 

Below are the details of the discrepancies and issues : XXXX. Creditor Name Discrepancy : On my XXXX report, the account is listed under XXXX XXXX XXXX XXXX XXXX. 
On my Experian report and XXXX report, the same account is listed as XXXX XXXX XXXX XXXX. 
This inconsistency creates confusion and raises questions about the accuracy and legitimacy of the information being reported. 
XXXX. Alleged Balance Discrepancy : On my XXXX report, the balance is reported as {$7200.00}. 
On my Experian report, the balance is reported as {$7600.00}. 
On my XXXX report, the balance is {$7600.00}. 
These differing balances indicate reporting errors and are misleading. 

XXXX. Last Payment Date Discrepancy : On my XXXX and XXXX reports, the last payment date is listed as XX/XX/XXXX. 
On my Experian report, the last payment date is listed as XX/XX/XXXX. 
These discrepancies further demonstrate the failure of the reporting entities to maintain consistent and accurate records. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The conflicting information detailed above is a clear violation of this requirement. Additionally, the continued reporting of inaccurate information is a violation of 15 U.S.C. 1681i, which mandates prompt investigation and correction of disputed information. 

XXXX Requested I request the following actions be taken immediately : XXXX. XXXX removal of the inaccurate account from my credit reports with XXXX, Experian, and XXXX. 
XXXX. A thorough investigation into these discrepancies to determine their cause and prevent future errors. 
XXXX. Written confirmation that the inaccurate information has been removed and corrected. 

I have attached copies of the relevant sections of my credit reports highlighting the discrepancies for your reference. I expect this matter to be resolved promptly in accordance with the Fair Credit Reporting Act. 

If further information is required, I can be reached at the address provided above. 

Sincerely, XXXX XXXX : XXXX XXXX XXXX Attachments XXXX I have attached a copy from each Credit Bureau that validates 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