Consumer complaint received 2024-08-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations REGARDING THE ACCURACY AND COMPLETENESS OF CRA REPORTING INACCURATELY ON MY CREDIT FILE. 

yet they refuse to remove the in accurate INCOMPLET information and account. I have even seek the CFPB assistance SEVERAL TIMES and the inaccurate accounts remains. 
I have been documenting all certified disputes as well as the response given on this CFPB portal. I intend to include as exhibits in my FCRA complaint in federal court if necessary. 

For the last time please take a look at my attachment and follow along : Item # XXXXXXXX XXXX XXXX XXXX REFORTING TWICE ITEM XXXX XXXX  # XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/XXXX, closed on XX/XX/XXXX and reporting as XXXX seperate accounts on credit report : All three agency reporting the same account last payment as : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? 2. How can you say you call the company and verified reporting inaccurate information? 3. How can you close the same account twice at the same time on a credit report? 4. How can the last payment be five ( 5 ) different dates and year??? 


Item # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have never have an account or done business with XXXX XXXX XXXX Bank furthermore ALL CRA IS REPORTING DIFFERENT INFORMATION REGARDING THIS ACCOUNT : Different date account was open, different balance owed, different date of last payment, different date account was closed. 

I have ask for proof but unable to receive a contract from XXXX XXXX XXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. 

Item # XXXX XXXX XXXX XXXX Inaccurate Item. ALL THREE CRA reporting. different balance, different date account was open, different date of last payment etc. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate information I now have enough credit reports to prove FCRA and FDCPA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. 

# XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Fraudulent account with different information reporting on all CRA regarding the same account. 

CRA have all failed to mark the disputed items disputed, another FCRA violation Rather than wasting time on a lawsuit i keep pointing out these errors yet they willingly refuse to remove the inaccurate information from my credit report.

They have all failed to mark each disputed items DISPUTED another FCRA and FDCPA violation which continues to cause damages to me : compensatory and punitive damages. 

XXXX : I am in possession of all credit reports and the response given by all CRA to prove the violations and errors mentioned in all my disputes to the CFPB. 

I am giving them another chance to remove/Delete the disputed items before filing a claim in the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. 

I will be asking for relief to include compensatory and punitive damages if they continue to report inaccurately and incomplete reporting. 

EXHIBITS 1. Credit Reports 24 months 2. Certified Mailings 3. Written responses from CRA 4. Copies of all CFPB complaint and response from company

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