Consumer complaint received 2024-11-18 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:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is : XXXX XXXX. 
My Social Securite Number 's is : XXXX Phone Number is : ( XXXX ) XXXX Final Notice Unresolved Dispute of Inaccurate Information on Credit Report under FCRA, TILA, and PAANL Dear CFPB and XXXX XXXX This letter serves as a final attempt to resolve an unresolved dispute regarding inaccurate and misleading information that continues to be reported on my credit file. 

Despite my previous correspondence dated XX/XX/XXXX, Case Number : XXXX in which I formally disputed the credit report inaccuracies that XXXX reports to the CRAs, XXXX continues to report incorrect and missing data on my credit report, my XXXX Credit account numbers are : XXXX and XXXX. 

This issue remains unresolved, this ongoing inaccuracy has caused significant damage to my credit score and reputation. Despite providing clear documentation and requesting corrections, the errors have not been rectified. This failure to act constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, which mandate that credit reporting agencies and information furnishers ensure maximum accuracy in reports and correct inaccuracies promptly. 

XXXX continues to report inaccurate, misleading information to Experian and XXXX, and still does not complete missing information that should be reported, such as BALANCE HISTORIES. 

XXXX claims to report information to the three major agencies ( CRAs ) XXXX, XXXX and Experian, this is totally false, XXXX removed these two accounts from my credit report for presenting obvious inaccuracies and XXXX could not correct the errors mentioned and even though the main agencies ( CRAs ) XXXX, XXXX and Experian operate and have separate policies, they must all, including lenders, comply with the ( FCRA ) BECAUSE THE LAW REQUIRES IT. ( Prioritize maximum precision and accuracy in my credit reports ) Additionally, the Truth in Lending Act ( TILA ) and the Protection Against Non-Payment of Obligations Act ( PAANL ) emphasize the need for accurate reporting and require creditors to provide timely and accurate billing statements, which has not occurred in my case. Legal Implications I am invoking 15 U.S. Code 1681n and 15 U.S. Code 1681o, which establish civil liability for willful or negligent noncompliance with the FCRA. I am fully prepared to pursue legal action to seek damages, including legal costs, should this matter not be resolved immediately.

Below I mention the errors and missing data in my Experian and XXXX Report. It is worth mentioning that XXXX deleted these two accounts for not complying with the FCRA, ( Inaccurate accounts and missing mandatory data ) XXXX sent me a statement with all the information that should be reported to Experian and XXXX. My questions is : why don't they report the Balance Histories in Experian or XXXX? 

Why don't they report the balance for each month? 

Why don't they report the scheduled payment for each month? 

Why doesn't XXXX report what I paid each month? 

Please answer all my questions, Include all the information you sent me in the ( CRAs ) or delete the entire account, XXXX must report all the information you sent me and not keep it just for themselves.

2-You claim the opening date was XX/XX/XXXX, but in the payment history, the first report is from XX/XX/XXXX. This is contradictory, the payment history does not report anything for XX/XX/XXXX. Is the opening date incorrect? Is the payment history incorrect? Which one is correct? Please correct this or delete the entire account. 

3-In the payment history, you have ND ( which I understand means No data ) for the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Why do you not have any data for these months? Why is the data missing? Please correct all the data or delete the entire account. 

4-Under the payment history in XXXX, XXXX and XX/XX/XXXX they report 30 days late in every month, I am supposed to have made payments so that it would not increase to 60 or 90 days late. Where are the payments I made? If I paid something, how much was it?, Why has XXXX deleted that information from the

Balance Histories?, Provide this information or delete the entire account. The statement tha
t XXXX sent me should not only be kept by them, it is also to share it with the ( CRAs ) and guarantee the maximum precision when doing so. Why does XXXX not report the information that it sent me to Experian or XXXX? Why are they not able to fill out all the required fields, such as the Balance Histories? I am attaching evidence directly from Experian where I show that the Balance History was deleted by XXXX. 

I have tried on countless occasions to correct the errors that I expose in this dispute, but XXXX does nothing about it, making this violation of my rights as a consumer deeper and deeper. I demand that all the missing fields in XXXX and Experian be filled out, Example : ( BALANCE HISTORIES ) and that the inaccurate or incomplete information in my Experian and XXXX reports be corrected, report all the information with the maximum precision to the ( CRAs ) or delete the entire account. 

Additionally, I will proceed with legal action to recover any damages resulting from this prolonged inaccuracy in my credit report. Please confirm in writing that this information has been corrected and that my credit report has been updated to reflect accurate data. I look forward to your prompt attention to this matter. 

Sincerely XXXX XXXX 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