Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX XXXX [ Date : XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Credit Reporting by XXXX, Experian, and XXXX Request for Removal of Accounts After Unresolved Disputes Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against the three major credit bureausXXXX, Experian, and XXXXfor inaccurate and inconsistent reporting of several accounts on my credit report. Despite my efforts to resolve these issues directly with the credit bureaus through dispute letters sent on XX/XX/XXXX, and XX/XX/XXXX, the inaccuracies persist. These errors violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards, and they have caused significant harm to my creditworthiness. I request that the CFPB investigate these issues and facilitate the removal of the inaccurate accounts from my credit report. 
Background I recently reviewed my credit reports from XXXX, Experian, and XXXX and identified multiple discrepancies in the reporting of five accounts with " XXXX '' and " XXXX XXXX XXXXXXXX. '' These inaccuracies include inconsistent dates, incorrect payment histories, failure to note consumer disputes, and improper account statuses. To address these issues, I sent dispute letters to XXXX, Experian, and XXXX on XX/XX/XXXX, outlining the errors and requesting corrections. After receiving no satisfactory resolution, I sent a second set of dispute letters on XX/XX/XXXX, again providing the bureaus an opportunity to correct the inaccuracies. Despite these efforts, the errors remain on my credit reports as of XX/XX/XXXX. Below, I have detailed the specific violations for each account, along with my request for resolution. 
Account Details and Violations Account XXXX : XXXX  ( Account # XXXX ) ** Inconsistent Date Opened : XXXX XXXX XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX. 
Inconsistent Payment History : XXXX reports " OK '' ( on-time payments ) from XX/XX/XXXX to XX/XX/XXXX, despite the account being in " Collection/Chargeoff '' status with a last payment on XX/XX/XXXX. XXXX and Experian correctly report " CO '' ( Chargeoff ) during this period. 
Inconsistent Date Last Active : XXXX reports XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX, creating confusion about the accounts activity. 
Account XXXX : XXXX XXXX XXXX ( Account # XXXX ) ** Inconsistent Date Opened : XXXX reports XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX. 
Inconsistent Payment History : XXXX reports " OK '' from XX/XX/XXXX to XX/XX/XXXX, despite the account being in " Collection/Chargeoff '' status with a last payment on XX/XX/XXXX. XXXX and Experian correctly report " CO '' during this period. 
Inconsistent Date Last Active : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX, which is impossible since the last payment was in XXXX. 
Failure to Note Consumer Dispute : XXXX notes a dispute with " reinvestigation in progress, '' but XXXX and Experian fail to reflect this, despite my disputes filed on XX/XX/XXXX and XX/XX/XXXX. 
Account XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) ** Inconsistent Account Status : XXXX and Experian report the account as " Paid '' with a {$0.00} balance, while XXXX reports it as " Derogatory, '' which is incorrect. 
Inconsistent Payment History : XXXX reports " OK '' from XX/XX/XXXX to XX/XX/XXXX, despite the account being in a charge-off status before being paid. Experian correctly reports " CO '' until XX/XX/XXXX. 
Inconsistent Date of Last Payment : XXXX and Experian report XX/XX/XXXX, while XXXX reports XX/XX/XXXX, affecting the reporting timeline for negative information. 
Failure to Note Consumer Dispute : Experian and XXXX note a dispute, but XXXX does not, despite my disputes filed on XX/XX/XXXX and XX/XX/XXXX. 
Account XXXX : XXXX XXXX XXXX ( Account # XXXX ) ** Missing Data on XXXX XXXX XXXX and Experian report this account, but XXXX does not, potentially omitting critical information from my credit profile. 
Obsolete Information : The accounts negative status is still within the 7-year reporting window, but the inconsistent reporting across bureaus creates confusion. 
Account XXXX : XXXX XXXX XXXX ( Account # XXXX ) ** Inconsistent Date Opened : XXXX reports XX/XX/XXXX, while Experian reports XX/XX/XXXX. 
Missing Data on XXXX : XXXX does not report this account, while XXXX and Experian do. 
Inconsistent Reporting of Paid Status : The account is marked as " Paid '' but still shows a " Collection/Chargeoff '' payment status, which can confuse creditors.

Violations of FCRA and Metro 2 The 
inaccuracies listed above violate the following : FCRA Section 623 ( a ) ( 1 ) : Requires furnishers to report accurate information. The inconsistent dates, payment histories, and account statuses are clear inaccuracies that the bureaus failed to correct after my disputes on XX/XX/XXXX and XX/XX/XXXX. 
FCRA Section 611 : Mandates that all bureaus note a consumer dispute during reinvestigation and resolve disputes within 30 days. XXXX and XXXX failure to note disputes on Accounts XXXX and XXXX, and the bureaus failure to correct the inaccuracies after my disputes, violate this requirement. 
Metro 2 Compliance : Metro 2 standards require consistent reporting of key data points ( e.g., dates, payment history, account status ) across bureaus. The discrepancies in dates, payment histories, and statuses violate these standards, and the bureaus have not addressed these issues despite my disputes.

15 USC 1681 ( e ) ( b ) Accuracy of reportWhenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2 ( A ) Reporting information with actual knowledge of errors.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



Impact on My Credit These inaccuracies have severely impacted my credit score and financial opportunities. The incorrect " Derogatory '' status on Account 3 ( XXXX ), false " OK '' payment histories during charge-off periods, and failure to note disputes have misled potential creditors, resulting in denied credit applications and higher interest rates. This has caused me significant financial and emotional distress. Despite my attempts to resolve these issues directly with the credit bureaus on XX/XX/XXXX and XX/XX/XXXX, the errors remain, exacerbating the harm to my credit profile. 
Requested Action I respectfully request that the CFPB and XXXX  : Investigate the inaccurate reporting by XXXX, Experian, and XXXX for the accounts listed above, considering their failure to resolve my disputes filed on XX/XX/XXXX and XX/XX/XXXX. 
Require the credit bureaus to delete these accounts from my credit report due to their persistent inaccuracies and violations of the FCRA and Metro 2 standards, which they have failed to correct despite my repeated disputes. 
Ensure that the credit bureaus update their reporting practices to comply with federal regulations and prevent future harm to consumers. 
Supporting Documentation I have attached copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies and violations. Additionally, I have included copies of my dispute letters sent to the credit bureaus on XX/XX/XXXX, and XX/XX/XXXX. 
Contact Information Please contact me at XXXX or XXXX if you require further information to process this complaint. I would appreciate a response within the statutory timeframe outlined by the CFPB guidelines. 
Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. 
Sincerely, XXXX XXXX

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