Consumer complaint received 2024-12-02 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: NJ

Complaint narrative:
I obtained copies of all XXXX of my credit reports from Experian XXXX, XXXX XXXX, and XXXX XXXX on XXXX. 

I noticed multiple inconsistencies regarding the account XXXX XXXX XXXX  which was an old credit card I had a while ago. Account info as follows per agency reporting ( all of which, to start with, are inconsistent in name and truncation of acct # 's ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX On all 3 credit reporting agencies ' listings, the following inconsistencies ( ie inaccuracies ) were found : 1- Terms 2- Date of last payment / date of last activity 3- Recent Payment 4- Highest Balance All 3 agencies are not compliant with FCRA 15 U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever 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.

Also,15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

********* Please delete this account from my credit report at your agency due to the multiple inaccuracies and inconsistencies across ALL 3 AGENCIES. This account was disputed multiple times to amend the many inaccuracies and inconsistencies, and all 3 agencies failed to correct on each occasion. Violations of FCRA as well as NJFCRA. ************** U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever 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 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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