Consumer complaint received 2024-12-13 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: IA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX FIN Account Number : XXXX Date of Last Activity : Experian shows XX/XX/year>, which differs from the dates reported by the other agencies ( XX/XX/year> in XXXX and XX/XX/year> in XXXX XXXX. This discrepancy could be an error if all agencies are expected to report the same date. 
Date Reported : Experian lists XX/XX/year> as the reporting date, which is later than the other agencies. This might indicate that Experian did not update its records at the same time as the others. 
Payment History : Experian includes a record of one month marked as " CO '' ( Charge-Off ), indicating a defaulted account. However, since the account is already listed as closed and paid, this may not accurately reflect its current status.

Account Rating : It displays " Paid '', which appears correct, but the inconsistency with the last activity date and payment history could create confusion regarding the account 's actual condition. 
Payment Frequency : Experian does not report any payment frequency, while XXXX mentions monthly payments. This absence of data could be seen as incomplete. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, XXXX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 non-monetary relief