Consumer complaint received 2024-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear CFPB, I am filing this complaint regarding serious inaccuracies in the reporting of my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ** by Experian and XXXX XXXX Specifically, this account falsely reflects late payments in XXXX and XXXX of last year, along with inconsistencies in the reporting details across both credit bureaus. I have taken screenshots documenting these discrepancies as evidence. 

The reporting practices of XXXX XXXX and the credit bureaus violate several provisions of the Fair Credit Reporting Act ( FCRA ) and related U.S. laws. I demand immediate action to address and rectify these violations. 

Violations of Federal Law 15 U.S.C. 1681e ( b ) Accuracy of Reports Credit reporting agencies are required to maintain and report accurate consumer information. The blatant inconsistencies and inaccuracies in this case demonstrate a failure to uphold this obligation, resulting in harm to my creditworthiness.

15 U.S.C. 1681i ( a ) Dispute Resolution Obligations Upon disputing inaccuracies, credit bureaus must conduct a timely and reasonable investigation. Past attempts to resolve this matter have been ignored or mishandled, failing to meet legal standards for a proper investigation. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnisher Responsibility to Report Accurate Information XXXX XXXX XXXX as a furnisher of information, is prohibited from reporting information it knows or should reasonably know to be inaccurate. False late payments violate this provision. 

15 U.S.C. 1681c ( a ) ( 5 ) Obsolete Information The inclusion of unverifiable or false late payments contravenes the mandate to exclude inaccurate or outdated information. 

15 U.S.C. 1681b ( f ) Permissible Purposes for Reporting Consumer Information Reporting entities must comply with permissible purposes and ensure consumer data is not misrepresented or mishandled. XXXX XXXX false and conflicting data breaches this obligation. 

Impact of Violations The inaccurate late payments have adversely affected my credit score, jeopardizing my ability to obtain credit on fair terms. This financial and emotional harm is a direct result of negligent and unlawful reporting practices. The FCRA provides consumers with protection against such actions, yet XXXX XXXX, Experian, and XXXX have collectively failed to comply. 

My Requests Immediate Removal of Late Payments : Remove the false late payments reported for XXXX and XXXX of last year from my credit reports. 
Corrections Across All Bureaus : Ensure that my account is accurately reflected across all reporting agencies.

Full Investigation : Conduct a thorough investigation into XXXX XXXX reporting practices and ensure compliance with FCRA standards. 
Written Confirmation : Provide written confirmation of receipt of this dispute and resolution updates. 
Evidence Provided I have attached screenshots of the inconsistent and inaccurate reporting for your review. 

I urge the CFPB to address this matter promptly. The continued disregard for federal law by XXXX XXXX and the credit bureaus demands immediate accountability. I trust that the CFPB will ensure my rights under the FCRA and related statutes are protected. 

Thank you for your attention to this urgent matter.

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