Consumer complaint received 2024-04-22 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: CA

Complaint narrative:
I took it upon myself to send out an initial letter to Experian to do a complete investigation of my credit report to insure that everything on my credit file was correct. After doing your investigation your company confirmed that everything was 100 % accurate. I disagreed with the decision because after reviewing my credit report again, I still found inaccurate information on my credit report, so I asked for a re-investigation. After the re- investigation your company confirmed again that the information reporting was accurate. At this point I followed my consumer laws and asked for verification methods of how you verified that these accounts were accurate, and I haven't received anything thus far. I have given your company two opportunities to verify that my credit report was accurate, and you failed both times. After carefully reading my consumer laws and the Fair Credit Act, I've noticed that some of my consumer rights have been violated. According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602 The following accounts on my credit report have been reporting inconsistent and inaccurate. 

XXXX. XXXX  with account number XXXX. This account was charged off on XXXX. Since then the date of last activity has been inconsistently updating. On XXXX the last active is XXXX, on XXXX its XXXX, and on Experian its XXXX. If this information is coming from the original creditor, the dates should be the same. This is important because this reflects the date these accounts will fall off my credit report. This account also is reporting charge off status consecutively XXXX and XXXX which is re-aging this account. This is illegal to re-age an account and it also changes my statute of limitation date. You can not say this account is 100 % accurate because they all have a different date. The date opened is all reporting inconsistent XXXX and Experian reporting XXXX, but XXXX is reporting XXXX. Again If this information is coming from the original creditor, the dates should be the same. Please Delete this account from my credit report immediately. 

XXXX. XXXX XXXX with account number XXXX. This account was charged off on XXXX. Since then the date of last activity has been inconsistently updating. On XXXX its XXXX, Experian its XXXX, and on XXXX XXXX. The date opened is all reporting inconsistent XXXX and Experian as XXXX, but XXXX it shows XXXX. Once again these dates should be consistent across all three bureaus and it is not, therefore, You can't say this account is 100 % accurate. This account shows charge off status in XX/XX/2024 on Experian but shows good standards on XXXX. This is not reporting accurately. Also if this account is charged off, I should not have a balance and a monthly payment. This will re-age my account which is illegal and affect my statute of limitation date, so please delete this account. 

XXXX. XXXX XXXX account number XXXX. This account is reporting inconsistently and inaccurate on my credit report. The date of last activity has been inconsistently updating on this account. On XXXX it reports as XXXX, on Experian XXXX but reports on XXXX on XXXXThis is important because this reflects the date these accounts will fall off my credit report and affects my statute of limitation date on this account. You can not say this account is 100 % accurate because they all have a different date. The date opened is all reporting inconsistent XXXX and Experian XXXX, but on XXXX on XXXX. Again If this information is coming from the original creditor, why aren't the dates the same. Please Delete this account from my credit report immediately. 

XXXX. XXXX  XXXX with account number XXXX This account is reporting inconsistently and inaccurate on my credit report. The date of last activity has been inconsistently updating on this account. On XXXX it reports as XXXX and on Experian XXXXThis is important because this reflects the date these accounts will fall off my credit report and affects my statute of limitation date on this account. How can you say this account is 100 % accurate because they all have a different date. The date opened is all reporting inconsistent Experian XXXX, but on XXXX on XXXX. Again If this information is coming from the original creditor, why aren't the dates the same. If this account was accurate the date should all be the same. Please Delete this account from my credit report immediately. 

XXXX. XXXX  with account number XXXX This account is reporting inconsistently and inaccurate on my credit report. The date of last activity has been inconsistently updating on this account. On XXXX it reports as XXXX but on Experian XXXX. This is important because this reflects the date these accounts will fall off my credit report and affects my statute of limitation date on this account. You can not say this account is 100 % accurate because they all have a different date. This account is not reporting accurately on my credit report and I demand you to delete it because this violates my consumer laws and rights.. The date opened is all reporting inconsistent Experian XXXX, but on XXXX on XXXX. Again If this information is coming from the original creditor, why aren't the dates the same. Please Delete this account from my credit report immediately. 

I have attached files showing inconsistency in reporting information on my credit and also showing where I have tried to fix this problem with the credit bureaus.

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