Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, GA XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX-ACT # XXXX You reported that i was XXXX  days late in XXXX of XXXX in the status and in the payment history. But on the date of last payment it states XXXX of XXXX. So how would i be XXXX  days late if that was the month of my last payment. Then how do you have XXXX  days late XXXX of XXXX. Again My last payment was XXXX. You also report the last reporting date XX/XX/XXXX where XXXX and Experian have XX/XX/XXXX. Thats XXXX years off. This is not XXXX percent accurate information. Please update to pays on time with no late. 

XXXX XXXX the payment status you report that i am XXXX  days late where the other two bureaus have it as current. You also report that the last payment date to be XX/XX/XXXX but have no payment in the payment history for that month. Resulting in it actually looking like i was indeed XXXX  days late. Please update all to pays on time. 

XXXX report that in XXXX of XXXX i was 60 days late where leaving my payment status line to state the account is XXXX  days late. But in last payment it shows XX/XX/XXXX. How was i XXXX  days late when you reported jume was my last payment date. Also in may you report i am XXXX  days late and the other XXXX  bureaus do not report that. Please update to pays on time with all payments ontime. 

XXXX XXXXXXXX You report that my last payment date as XX/XX/XXXX but in the payment history no payment is recorded for XXXX. Please update all late payments to pays on time. 

XXXX XXXX XXXX reported my last payment to be XX/XX/XXXX but the last day active was XXXX months later. This is a violation of my rights. XXXX  last day active was XX/XX/XXXX. You also reported every XXXX  month a charge off in the payment history and XXXX bureau has already erased the account and the other doesnt have anything in the payment information. Please update to pays on time. 


XXXX XXXX  You reported in payment status as being XXXX  days late where the XXXX  other bureaus have XXXX  late. I have a right to privacy where you have in comments notes and payment information in the comments. I would like that removed immediately. You reported my last payment date as XX/XX/XXXX but in payment history no payment reported. You report i am XXXX  days late in XXXX and the XXXX  other bureaus have XXXX  late. Then in XXXX and XXXX you reported that i am XXXX  late two months in a row which isnt correct at all. Please update to pays on time with no late payments. 

XXXX XXXX you report opening date as XX/XX/XXXX and XXXX reports XXXX XXXX also report that its been written off and you report a past due balance? Where is the 1099? You report your last reported date as XX/XX/XXXX but XXXX has XX/XX/XXXX. You report the last day active as XX/XX/XXXX and XXXX reports XX/XX/XXXX. Thats several months after XXXX  In XX/XX/XXXX you report that i am XXXX  days late but the very next month you reported that i am XXXX  days late. How is that possible? You are the only bureau reporting any payment history. Not XXXX thing about this account is accurate. Please remove the whole account. 



XXXX XXXX Numberous inaccurate information. You report a different date of opening date as the other XXXX bureaus. You report XX/XX/XXXX and XXXX says XX/XX/XXXX while XXXX states XX/XX/XXXX. Your reporting info does not match the other bureaus for the high credit amount, for the credit limit, nor the payment status date being XXXX  days late. While they both have XXXX. Your date of last active is XX/XX/XXXX and XXXX is XX/XX/XXXX and XXXX is XX/XX/XXXX. You report my last payment was made on XX/XX/XXXX but no payment reflects that in the payment history. In fact there are alot of errors in the payment history. In XXXX and XXXX you have different days then XXXX and XXXX. Please update to pays on time and reflect in the payment history. As well i have a right to privacy i would like the comments that are not public information taking off and erased as well. It has impacted me negatively for far to long. 




XXXX XXXX XXXX XXXX FAILED TO VERIFY ALL REPORTED INFO WAS ACCURATE SEVERAL TIMES. NOT ONE PART OF THIS ACCOUNT IS XXXX  PERCENT ACCURATE. I HAVE DISPUTED THIS SEVERAL TIMES AND YOU DID NOT INVESTIGATE CLEARLY. NOT ONE THING ON THIS ACCOUNT IS ACCURATE YOU HAVE ALLOWED THIS INACCURACY TO IMPACT MY ABLE TO USE MY CREDIT ALONG WITH BEING A BIG PART ON ALL MY DENIALS. NOTHING ON THIS REPORT IS ACCURATE AND AS THE OTHER BUREAUS. THE OPENING DATE DIFFERENT, THE HIGH CREDIT AMOUNT DIFFERENT, THE CREDIT LIMIT DIFFERENT, THE FACT THAT YOU ALLOW THEM TO WRITE THE DEBT OFF ON THEIR TAXES AND NOT SUPPLY A 1099 TO ME FOR THE DEBT BUT YET BEING PAID FOR THE DEBT THEY CAN STILL CLAIM I OWE THEM. THE LAST REPORTED DATE DIFFERENT, THE LAST ACTIVE DATE AMD FINALLY THE DATE OF LAST PAYMENT DIFFERENT. YOU HAVE REPORTED CHARGED OFF FOR YEARS EVERY SINGLE MONTH WHERE ONE BUREAU HAS ON TIME PAYMENTS ON MONTHS YOU CLAIM ITS CHARGED OFF.. THE OTHER BUREAU HAS NO PAYMENTS DISPLAYED AS IT SHOULD BEING A CHARGED OFF ACCOUNT. PLEASE REMOVE THIS ACCOUNT. THIS IS PURPOSELY REPORTING WRONG AND HAS BEEN FOR FAR TO LONG FOR THE REASONING TO HURT MY CREDIT FILE. 

XXXX XXXX XXXX FAILED VERIFICATION. U CLAIM THIS IS 120 DAYS LATE IN THE STATUS. BUT IN THE PAYMENT HISTORY YOU HAVE 120 LATE 3 MONTHS IN A ROW. WHICH DO NOT MATCH THE OTHER BUREAUS. YOU REPORT I WAS LATE 30 DAYS ON THE MONTH THAT YOU ALSO REPORT WAS MY LAST PAYMENT. IUPDATE STATUS TO PAYS ONTIME ALL THE TIME AND MAKE ALL LATE PAYMENTS ON TIME. 




According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract with all payments and due amounts of any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it along with every single late payments that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be corrected or removed and if you are unable to provide me a copy of verifiable proof, you must correct or remove.

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