Consumer complaint received 2024-08-17 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:
Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX XXXX XXXXXXXX XXXX XXXX Compliance Violations Dear CFPB, I am writing to file a formal complaint against Experian and XXXX for their failure to accurately report information related to my account with XXXXXXXX XXXX XXXX. Despite my efforts to resolve these discrepancies directly with the credit bureaus, they have continued to report incorrect information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Summary of the Issues : Inconsistent Date Opened Reporting : XXXX reports the date opened as XX/XX/XXXX, while Experian reports it as XX/XX/XXXX. The correct date, as verified by my records, should be XX/XX/XXXX. This discrepancy indicates a failure to adhere to XXXX XXXX compliance, which requires consistent and accurate reporting across all consumer reporting agencies. 
Discrepant Payment History Reporting : Experian reports that my account was in a charge-off status with late payments beginning in XX/XX/XXXX, while XXXX fails to provide consistent reporting on the payment history during the same period. XXXX XXXX guidelines require that payment history, including delinquencies, be reported accurately and uniformly. The inconsistency between the XXXX bureaus is a clear violation of these guidelines, leading to a misleading representation of my creditworthiness. 
Incorrect Date Last Active : XXXX reports the date last active as XX/XX/XXXX, while Experian reports it as XX/XX/XXXX. The XXXX XXXX standard mandates that the Date of Last Activity ( DLA ) be reported consistently, reflecting the accurate last date of account activity. The disparity in these dates significantly impacts the account 's aging on my credit report. 
Failure to Report High Credit Accurately : XXXX reports the high credit as {$4100.00}, while Experian incorrectly reports it as {$0.00}. This failure to report high credit consistently is another violation of XXXX XXXX standards, which require accurate reporting of all account fields to ensure fairness and accuracy in credit reporting. 
Permissible Purpose Violation and Unauthorized Reporting : This account was reported on my credit report without my explicit authorization, constituting a violation of the FCRAs permissible purpose provisions. Under XXXX XXXX guidelines, data furnishers must have a permissible purpose for reporting accounts, and in this case, XXXXXXXX XXXX XXXXXXXX has failed to comply with this requirement. 
Previous Efforts to Resolve : I have made multiple attempts to correct these inaccuracies by contacting both XXXX and Experian, providing all necessary documentation to support my claims. However, both bureaus have failed to adhere to XXXX XXXX standards and the FCRA by not correcting these errors or removing the unauthorized and inaccurate information.

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