Consumer complaint received 2024-12-10 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian National Consumer Assistance XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Correction or Removal of Inaccurate and XXXX XXXX Dear XXXX, XXXX and Experian, I recently reviewed my Annual Credit Report from Experian, XXXX, and XXXX, and I noticed several instances of inaccurate, inconsistent, and non-compliant reporting for the same accounts across all three reports. These discrepancies appear to violate the Fair Credit Reporting Act ( FCRA ), which requires all information reported to credit reporting agencies to be accurate, consistent, and verifiable. 
I am requesting that you investigate these accounts and take appropriate action to correct or remove them as required by the FCRA. The accounts in question are : XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX CREDITCENTRL XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX GUARDIAN XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA XXXX ) The XXXX shows : NOT REPORTED AS REQUIRED by the FCRA XXXX ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX I want to thank you in advance for your speedy assistance with this matter. 

Respectfully submitted, 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