Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Credit Reporting Agency XXXX XXXX, Experian, XXXX ) Dear Sir/Madam, I am writing to bring to your attention the inconsistencies I have noticed on my credit report. These inaccuracies are severely damaging my credit score and require immediate attention. Please review the following items : 1. Customer Statement Section : Only XXXX has included my statement in this section. XXXX and Experian have violated my rights by not including my customer statement. I request that you copy the statement from XXXX onto XXXX and Experian. 

2. Misspellings and Variations of Name : There are multiple misspellings and variations of my name on the report. This is harmful to my credit profile. My name should be written as XXXX XXXX XXXX, and I expect it to be consistent throughout the report. 

3. Multiple Addresses : There are multiple addresses listed for me, which is incorrect. There should only be one address associated with my profile : XXXX XXXX XXXX, XXXX, PA, XXXX. 
4. Employers Section : I have two employers, and both should be accurately listed as follows : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 

5. Risk Factors Section : The generated statements in this section are inaccurate and should be removed as they are harming my credit profile. 

6. Summary Section : The information in the summary section is incorrect. I request that you adjust it once all account information has been updated and/or deleted to reflect accurate details. 

7. Account Name : XXXX XXXX XXXX  Account Number : XXXX ( previously disputed ) XXXX : You are reporting false late payments in XXXX and XXXX of XXXX. 
XXXX : You are reporting false late payments in XXXX and XXXX of XXXX. 
Experian : You are reporting false late payments in XXXX and XXXX of XXXX. 
I have paid on time, and after the previous dispute, the dates have been shuffled, which is a violation of 15U.S.C 1681 ( S ) 2. This is inaccurate reporting, and I request that you delete this account from my consumer report in accordance with my FCRA rights.

8. Violation of Reporting Accuracy : All three credit reporting agencies have violated 15U.S.C 1681a ( 2 ) a ( i ) by not reporting accurate information. If it is the same account, it should reflect the same information. I have marked the discrepancies in red on the attached document. 

9. Account Name : XXXX XXXX XXXX 
Account Number : XXXX I request that you delete XXXX for reporting inaccuracies. During the investigation, XXXX followed the rules and deleted the account. However, XXXX and Experian did not, and they are currently in willful violation of my rights. They did not complete the investigation within the allotted 30 days, even after I filed a CFPB complaint. This is harming me, and each company is liable for a {$1000.00} violation. Additionally, they are not reporting the same information, which is a violation in itself. I have marked the discrepancies in red on the attached document. 
1. XXXX is reporting the date of last active as XX/XX/XXXX, while Experian is reporting it as XX/XX/XXXX. 
2. In a separate dispute, I demanded proof of payment for XX/XX/XXXX, which Experian is reporting as " OK, '' but it is inaccurate. This discrepancy is grounds for the entire account to be deleted. 

10. Account Name : XXXX XXXX XXXX Account Number : XXXX 1. Update the account type detail to auto loan for all three bureaus. 
2. Update the number of months ( terms ) to 61 months. 
3. Update the date last active to XX/XX/XXXX for all three bureaus. 
4. Update the account status to " paid in full. '' 5. XXXX and Experian should update all payment history to " OK '' to match XXXX. I have marked the discrepancies in red on the attached document. 

11. Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX and Experian should update all payments to " OK '' to match XXXX. Additionally, please remove all comments and remarks. I have marked the discrepancies in red on the attached document.

12. Account Name : XXXX XXXX Account Number : XXXX 1. Experian should update the account type detail to revolving account. 
2. XXXX and XXXX should update the number of months ( terms ) to " revolving '' to match Experian. 
3. XXXX should remove the comment " variable rate. '' I have marked the discrepancies in red on the attached document. 

13. Account Name : XXXX XXXX XXXX. 
Account Number : XXXX This account is in violation of 15U.S.C 1681 ( S ) 2. Therefore, I request that you delete this account from my consumer report due to inaccurate reporting and violation of my FCRA rights. 

14. Account Name : XXXX XXXX XXXX. 
Account Number : XXXX This account is in violation of 15U.S.C 1681 ( S ) 2. Therefore, I request that you delete this account from my consumer report due to inaccurate reporting and violation of my FCRA rights.

15. Uninitiated and Unauthorized Inquiries : These inquiries are harming my credit and causing damage.
1. Please refer to the attached dispute from XX/XX/XXXX. 
2. The inquiry on XX/XX/XXXX is more than 30 days from the initial dispute, resulting in a {$1000.00} violation per occurrence. There were 15 inquiries disputed, totaling $ {$15000.00} in violations.

16. Inquiries : There are multiple inquiries on my credit report that I did not authorize or initiate. These inquiries are negatively impacting my credit score. I request that you investigate these inquiries and remove them from my credit report.

17. Public Records : There are no public records listed on my credit report. However, I have a court judgment that should be included in this section. I request that you update my credit report to reflect this court judgment. 

I have attached a copy of my credit report with the discrepancies marked in red for your reference. I kindly request that you investigate these issues and make the necessary corrections to my credit report as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a free copy of my credit report once every 12 months. I would appreciate it if you could provide me with a free copy of my updated credit report once the necessary corrections have been made. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues.

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