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 3 of my credit reports from Experian XXXX, XXXX XXXX, and XXXX XXXX on XXXX. 

I noticed multiple inconsistencies AND inaccuracies regarding an account with XXXX XXXX XXXX XXXX XXXX. You may notice in your records this account has come up SEVERAL times - that is because it is still inaccurate at your agency. I have disputed directly with your agency on multiple occasions as well as through the CFPB. 

Account info as follows per agency reporting ( all of which, to start with, are inconsistent in name and truncation of acct # 's ) : XXXX : XXXX XXXX XXXX ACCT # XXXX Experian : XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX  XXXX On all XXXX CRA XXXX ( credit reporting agencies ' ) listings, the following inconsistencies ( ie inaccuracies ) were found : XXXX Terms and Terms Frequency XXXX Date of last payment XXXX Recent Payment XXXX Highest Balance XXXX Payment Histories XXXX Date of last activity XXXX Account Type XXXX XXXX or more CRA displays an ACTIVE PAYMENT HISTORY by repeatedly reporting XXXX month over month XXXX Charge off is INCOME - income is not to be reported on a consumer report XXXX Loan Type XXXX Account Closure Date ( IF it reportedly closed on XX/XX/year> then how is it possible to be 30 DAYS LATE IN XXXX?? ) XXXX Date of First Delinquency XXXX - Repossession occured XXXX TIME- not 3 times over XXXX months If all XXXX agencies procure their data from the same furnishers then how on earth is nearly EVERY MAJOR DATA POINT inconsistent and/or inaccurate with your agency? You guys have a legal obligation to ensure 100 % accuracy otherwise YOU ARE REQUIRED -- BY FEDERAL LAW -- TO DELETE. You've investigated, reinvestigated, and reinvestigated a third even fourth time. You are now required to delete or face charges in court.

You are in willful noncompliance of the following : FCRA 15 U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever a consumer reporting a
gency 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 that you have failed on multiple occasions to correct. This account was disputed multiple times to amend the many inaccuracies and inconsistencies, and 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