Consumer complaint received 2025-01-10 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: OR

Complaint narrative:
Subject : Complaint Regarding Inconsistent Credit Reporting and Inadequate Investigations by XXXX, Experian, and XXXX To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am submitting this complaint regarding the inaccurate and inconsistent reporting of a XXXX Bank credit card account by Experian, XXXX, and XXXX. Despite my efforts to dispute these inaccuracies, the credit bureaus have failed to maintain consistent and accurate records for the same account, in violation of the Fair Credit Reporting Act ( FCRA ). 

The payment history for the XXXX Bank credit card account differs among Experian, XXXX, and XXXX for the same account. 

Payment history XX/XX/XXXX : Experian reported as XXXX ; XXXX reported as 30 days past due ; XXXX reported as 30 days past due. 

Payment history XX/XX/XXXX : Experian reported as 30 days past due ; XXXX reported as 60 days past due ; XXXX reported as 60 days past due Payment history XX/XX/XXXX : Experian reported as 60 days past due ; XXXX reported as 90 days past due ; XXXX reported as 90 days past due Payment history XX/XX/XXXX : Experian reported as 90 days past due ; XXXX reported as 120 days past due ; XXXX reported as 120 days past due Payment history XX/XX/XXXX : Experian reported as 120 days past due ; XXXX reported as 150 days past due ; XXXX reported as 120 days past due Payment history XX/XX/XXXX : Experian reported as 150 days past due ; XXXX reported as 180 days past due ; XXXX reported as 120 days past due I disputed this inaccuracy with all three credit bureaus, providing clear evidence of the inconsistencies. 

Instead of correcting the discrepancies or removing the account from my credit reports, Experian and XXXX merely " updated and verified the account as accurate '' without providing any explanation of how the investigation was conducted or the sources of verification. 

Especially with Experian. The CFPB lawsuit against Experian details systemic issues, including failures to conduct reasonable investigations and reliance on automated processes instead of thoroughly examining evidence. My case appears to be another example of this troubling practice. Experians lack of proper investigation violates the Fair Credit Reporting Act ( FCRA ) and harms consumers like me. 

The following provisions of the FCRA appear to have been violated : 15 U.S.C. 1681e ( b ) - Accuracy of Reports : Credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. The inconsistent reporting of the same account among the three bureaus demonstrates a clear failure to meet this standard. 

15 U.S.C. 1681i ( a ) - Reinvestigations of Disputed Information : Credit bureaus are required to conduct a reasonable investigation of disputes. The lack of transparency from Experian and XXXX regarding how they conducted their investigation, and the continued reporting of inconsistent information, suggests a failure to conduct a proper reinvestigation. 

15 U.S.C. 1681s-2 ( b ) - Responsibilities of Furnishers : XXXX Bank XXXX as the furnisher of the information, is also required to investigate and correct inaccurate information when a dispute is filed. Their failure to ensure consistent reporting across all three credit bureaus further violates the FCRA. 

15 U.S.C. 1681c - Obsolete Information and Reporting Standards : The continued reporting of inaccurate and inconsistent payment histories undermines the purpose of this section, which aims to ensure fair and accurate credit reporting. 

Resolution Requested : Given the evidence provided, I request the following : 1.Immediate deletion of the XXXX Bank credit card account from my credit reports with Experian, XXXX, and XXXX, as the inaccuracies indicate a failure to meet FCRA standards. 

2.An explanation of how Experian and XXXX conducted their investigations and the specific steps taken to verify the account as accurate. 

3.A written confirmation from each credit bureau and XXXX Bank that the account has been removed. 

Supporting Documentation : I have attached evidence of the inconsistent reporting for the XXXX Bank account among Experian, XXXX, and XXXX. Please review this documentation to verify the claims made in this complaint. 

I trust the CFPB will take appropriate action to ensure compliance with the FCRA and resolve this matter promptly. 

Thank you for your attention to this serious issue. 

Sincerely,

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