Consumer complaint received 2024-03-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX There are discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. The reported last activities differ across XXXX, XXXX, and Experian, with Dates of XX/XX/XXXX, for Experian, XX/XX/XXXX, for XXXX, and XX/XX/XXXX, for XXXX. A notable incongruity is evident in the representation of my payment history. XXXX indicates 8 instances of 90-day late payments, while Experian reports only XXXX, resulting in a significant inconsistency. Moreover, there is a variance in the on-time payment percentages, with Experian reflecting XXXX XXXX and XXXX documenting XXXX XXXX. Furthermore, specific entries in XX/XX/XXXX, differ, as Experian reports a collection charge, whereas XXXX records an on-time payment for the same period. In light of these inconsistencies, I kindly request a comprehensive investigation into the matter and the implementation of necessary actions to rectify the inaccuracies present in my credit report. 


15 U.S. Code 1681i ( a ) ( 1 ) ( A ) 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. 
15 U.S. Code 1681i ( 2 ) ( B ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 


15 U.S. Code 1681 ( b ) - Congressional findings and statement of purposeIt is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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