Consumer complaint received 2024-08-18 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: NJ

Complaint narrative:
Hello I am writing to dispute inaccurate information that is currently listed on my credit report. As per the Fair Credit Report Act ( FCRA ), specifically 15 USC 1681E ( B ) states whenever a consumer reporting agency prepares a consumer reporting it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates.

After reviewing my credit, I have identified several inaccuracies in this account reporting. Starting with my personal information : Please remove immediately leaving one valid address that appears on my drivers license. Please remove previous address please!!! Also, please remove my employers, as I have the right to privacy 15USC 1681A ( 4 ). Due to the in accurate information I am requesting that you review the information and investigate and verified all information across the open and closed accounts. If it can not be verified, Im request that it be removed from my credit report entirely. The information in question is related to the following account : Account Name XXXX XXXX XXXX  ( Do not Remove Account ) Account Number : XXXX 1. Comments arent consistent across all credit reporting agencies 2. Date open is not the same across all credit reporting agencies 3. Account balance is not the same across all credit reporting agencies 4. Number of months is not reported across all credit reporting agencies 5. Last reported date reported is not the same across all credit reporting agencies 6. Date of Last Active is not the same across all credit reporting agencies 7. Date of Last Payment is not the same across all credit reporting agencies 8. Payment history is not consistent across all credit reporting agencies ( See Legend ) Also, I did not give written permission to furnish late payments on my credit report across all accounts. This violates FCRA 15 USC 1681 ( 2 ) ( A ) ( i ) and 15USC 1681s-3. It states, report containing information solely as to transactions or experiences between the consumer and the person making the report. Please delete late payments from my consumer report.

Account Name : XXXX/DOFED ( Remove account exceeding the statute of Limitations ) Account Number : XXXX 1.Date open is not the same across all credit reporting agencies Number of months is not reported across all credit reporting agencies 2.Last reported date reported is not the same across all credit reporting agencies 3.Date of Last Active is not the same across all credit reporting agencies 3.Date of Last Payment is not the same across all credit reporting agencies Statue of Limitations please remove all student loan debt off my report thats open that and that has exceeded the statute of limitations across all accounts involving student debt only. 

Account Name : XXXX ( Remove Account ) Account Number : XXXX 1. Comments arent consistent across all reporting agencies 2. Date open is not the same across all credit reporting agencies 3. Account balance is not the same across all credit reporting agencies 4. Number of months is not reported across all credit reporting agencies.

5. Last reported date reported is not the same across all credit reporting agencies 6. Date of Last Active is not the same across all credit reporting agencies 7. Date of Last Payment is not the same across all credit reporting agencies 8. Payment history is not consistent across all credit reporting agencies ( See Legend ) Account Name : XXXX ( Do Not Remove ) Account Number : XXXX 1. Comments are left blank across two credit reporting agencies 2. Date open is not the same across all credit reporting agencies 3. Account Number is not the same across all credit reporting agencies 4. Last reported date reported is not the same across all credit reporting agencies 5. Date of Last Active is not the same across all credit reporting agencies 6. Date of Last Payment is not the same across all credit reporting agencies 7. Account Status is not the same across all credit reporting agencies 8. Payment history is not consistent across all credit reporting agencies ( See Legend ) Account Name : XXXX ( Do Not Remove ) Account Number : XXXX 1. Comments are left blank across two credit reporting agencies 2. Date open is not the same across all credit reporting agencies 3. Last reported date reported is not the same across all credit reporting agencies 4. Date of Last Active is not the same across all credit reporting agencies 5. Date of Last Payment is not the same across all credit reporting agencies 6. Account Status is not the same across all credit reporting agencies ( Please remove this account immediately please ) Also, under 12 CFR 1006.34 ( B ) ( 5 ) A collection agency has not provided validation information. Note : You have violated my consumer rights by using false misleading, misrepresentation and deceptive means. 

Account Name : XXXX  XXXX ( Remove Account ) Account Number : XXXX 1. Comments arent the same across all credit reporting agencies 2. Date open is not the same across all credit reporting agencies 3. Account Number is not the same across all credit reporting agencies 4. Credit Limit is not the same across all credit reporting agencies 5. High Credit is not the same across all credit reporting agencies 6. Last reported date reported is not the same across all credit reporting agencies 7. Date of Last Active is not the same across all credit reporting agencies 8. Date of Last Payment is not the same across all credit reporting agencies 9. Account Status is not the same across all credit reporting agencies ( Please remove this account immediately please ) Also, under 12 CFR 1006.34 ( B ) ( 5 ) A collection agency has not provided validation information. Note : You have violated my consumer rights by using false misleading, misrepresentation and deceptive means. 

Account Name : XXXX  XXXX ( Delete Account ) Account Number : XXXX 1. Comments arent the same across all credit reporting agencies 2. Date open is not the same across all credit reporting agencies 3. Account Number is not the same across all credit reporting agencies 4. Account Type Detail is not the same across all credit reporting agencies 5. Credit Limit is not the same across all credit reporting agencies 6. High Credit is not the same across all credit reporting agencies 7. Last reported date reported is not the same across all credit reporting agencies 8. Date of Last Active is not the same across all credit reporting agencies 9. Date of Last Payment is not the same across all credit reporting agencies 10. Payment history was not reported accurately across all credit reporting agencies. ( See legend ) ( Please Remove this account immediately ) Also, under 12 CFR 1006.34 ( B ) ( 5 ) A collection agency has not provided validation information. Note : You have violated my consumer rights by using false misleading, misrepresentation and deceptive means.

Account Name : XXXX ( Remove Account ) Account Number : XXXX 1. Comments arent reported to all credit reporting agencies 2. Account Status arent reported to all credit reporting agencies 3. Past Due arent reported to all credit reporting agencies 4. Account type Detail are reported to all credit reporting agencies 5. Monthly payment arent reported to all credit reporting agencies 6. Bureau code arent reported to all credit reporting agencies 7. Number of Months arent reported to all credit reporting agencies 8. Account Type arent reported to all credit reporting agencies 9. Date opened arent reported across all credit reporting agencies 10. Account Numbers arent the reported across all credit reporting agencies 11. Credit Limit arent reported to all credit reporting agencies 12. High Credit arent reported to all credit reporting agencies 13. Payment Status arent reported to all credit reporting agencies 14. Balance aren't reported to all credit reporting agencies 15. Last reported arent reported across all credit reporting agencies 16. Date of Last Active arent the reported across all credit reporting agencies 17. Date of Last Payment arent the reported all credit reporting agencies Account Name : XXXX XXXX  Account Number : XXXX 1. Comments arent the same across all credit reporting agencies 2. Date open is not the same across all credit reporting agencies 3. Account Number is not the same across all credit reporting agencies 4. Account Type is not the same across all credit reporting agencies 5. Account Type Detail is not the same across all credit reporting agencies 6. High Credit is not the same across all credit reporting agencies 7. Last reported date reported is not the same across all credit reporting agencies 8. Date of Last Active is not the same across all credit reporting agencies 9. Date of Last Payment is not the same across all credit reporting agencies 10. Payment history was not reported accurately across all credit reporting agencies ( See legend ) ( Please Remove this account immediately ) Lastly, I do not see XXXX XXXX on my credit report at all, in which Ive had since XX/XX/23. Please report this loan agency to my credit report immediately as it is affecting my credit history and score.

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