Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Also under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.

INACCURATE REPORTING In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

Please remove the following items from my credit report immediately PERSONAL INFORMATION 1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX personal information is incorrect, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX, XXXX, NC XXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. PLEASE REMOVE ALL AUTHORIZE INQUIRIES NOT ASSOCIATED WITH ANY OPEN ACCOUNTS. 


INACCURATE REPORTING XXXX. XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately.

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