Consumer complaint received 2024-05-05 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning the inaccurate reporting of late payments on my credit reports by the three major credit reporting agencies ( CRAs ) : Experian, XXXX, and XXXX. Upon a thorough review of my credit reports, I have identified several discrepancies that I believe constitute a violation of my consumer rights as outlined by various consumer protection laws. 

The discrepancies in reporting are as follows : Experian : XXXX XXXX XXXX XXXX  account reported as 30 days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - Account closed in XX/XX/XXXX XXXX : - XXXX XXXX XXXX  account reported as on time in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX XXXX XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as on time in XX/XX/XXXX - XXXX XXXX XXXX account reported as 90 days late in XX/XX/XXXX XXXX : - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - No data reported in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as 30 days late in XX/XX/XXXX - XXXX XXXX XXXX account reported as 60 days late in XX/XX/XXXX - No data reported in XX/XX/XXXX These inaccuracies are not only detrimental to my creditworthiness but also directly violate the consumer protection laws that safeguard accurate credit reporting, including but not limited to : - Fair Credit Reporting Act ( FCRA ) - Fair and Accurate Credit Transactions Act ( FACTA ) - Consumer Financial Protection Act ( CFPA ) - Equal Credit Opportunity Act ( ECOA ) According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, credit reporting agencies are required to maintain accurate information and investigate disputed items on consumer credit reports. 

I demand that the late payments on the XXXX XXXX XXXX account be promptly reversed to reflect the accurate status of " paid as agreed '' or " current. '' Failure to rectify these inaccuracies within a reasonable timeframe will compel me to pursue LEGAL ACTIONS against the CRAs for non-compliance with federal consumer protection laws. THE CRAs & XXXX XXXX XXXX ARE BREAKING THE FCRA LAWS AND THE CONSUMER LAWS! THERE ARE INACCURACIES WITH EACH BUREAU! VIOLATIONS! I WILL TAKE LEGAL ACTIONS FOR THE INACCURACIES.

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take swift and decisive action to ensure that my consumer rights are upheld and accurate credit reporting is maintained.

Thank you for your attention to this matter. I anticipate your prompt response and resolution of this issue.

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