Consumer complaint received 2025-01-02 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information reported in my credit file. Upon reviewing my credit reports from XXXX, Experian, and XXXX, I have identified multiple discrepancies that are inconsistent and violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i.

Congressional findings of the FCRA clearly state : " 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. '' It is evident that the inaccurate and incomplete reporting of the following accounts undermines public confidence and violates the statutory obligations of fair and accurate reporting. 

Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  ) Reported By : Experian, XXXXType : Revolving Account Discrepancies : Amount Owed : Experian reports {$3500.00}, while XXXX reports {$3600.00}. This is a discrepancy of {$80.00}. 

Date of First Delinquency : Experian reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This is a discrepancy of 3 days. 

Date of Last Payment : Experian reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This is a discrepancy of 1 day. 

Payment History : Experian shows 30 days past due in XX/XX/XXXX, while XXXX reports 60 days past due for the same period. 

These inconsistencies are clear violations of 15 USC 1681i, which mandates a reasonable reinvestigation of disputed information. I request immediate action to investigate and correct this reporting. 

Account XXXX : XXXXXXXX XXXX XXXX XXXX ) Reported By : Experian, XXXX, XXXXType : Revolving Account Discrepancies : Date of First Delinquency : Experian reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This is a discrepancy of 6 days. 

Date of Last Payment : Experian reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This is a discrepancy of 1 day. 

Payment History : Experian shows 30 days past due in XX/XX/XXXX, while XXXX and XXXX mark the account as " Current '' for the same period. 

These reporting issues are unfair and require immediate correction as per 15 USC 1681i. 

Account XXXX : XXXX ( XXXX XXXX XXXX ) Reported By : XXXXType : Installment Account Discrepancies : None noted. Reporting accuracy should be confirmed to avoid future inconsistencies. 

Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Reported By : Experian, XXXXType : Installment Account Discrepancies : Amount Owed : Experian reports {$900.00}, while XXXX reports {$890.00}. This is a discrepancy of {$10.00}. 

Date of First Delinquency : Experian reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This is a discrepancy of 9 days. 

Date of Last Payment : Experian reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This is a discrepancy of 1 day. 

Immediate corrections are requested for this inaccurate reporting. 

Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Reported By : Experian, XXXXType : Open Account Discrepancies : Date of First Delinquency : Experian reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This is a discrepancy of 3 days. 

Date of Last Payment : Experian reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This is a discrepancy of 1 day. 

Request for Action Pursuant to 15 USC 1681i, I request that your agency conduct a thorough reinvestigation of these accounts to ensure that they are reported accurately. In particular, I request : Simple Verification : A clear verification of each discrepancy listed above, including documentation from the original creditors or data furnishers that confirms the accuracy of the information being reported. 

Reason for Oversight : A detailed explanation of why these discrepancies were not identified during the initial reporting and investigation process. 

Please provide written confirmation that these accounts have been corrected or removed from my credit file. Additionally, include a full summary of the results of your investigation. 

Failure to address these inaccuracies will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for violations of the FCRA. 

Thank you for your immediate attention to this matter. I expect a response within the 30-day statutory period as required under the FCRA.

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