Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
Subject : URGENT COMPLAINT DEMAND FOR IMMEDIATE DELETION OF INACCURATE CREDIT ACCOUNT REPORTING To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, and XXXX for grossly inaccurate reporting of an account under my credit file. The account labeled as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contains multiple errors and inconsistencies across the three credit bureaus, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Consumer Financial Protection Act ( CFPA ). 
Inaccurate Information in My Credit Report 1. Inconsistent Date of Last Activity : * XXXX : XX/XX/XXXX * Experian : XX/XX/XXXX * XXXX : XX/XX/XXXX * These discrepancies prove the bureaus are reporting different information for the same account, which is a direct violation of FCRAs accuracy requirements. 
2. Conflicting Date Reported : * XXXX : XX/XX/XXXX * Experian : XX/XX/XXXX * XXXX : XX/XX/XXXX ( This is a future date, making it impossible and clearly inaccurate! ) 3. Incorrect Payment History & Late Payments : * XXXX : Shows 30- and 60-day late payments in XXXX and XX/XX/XXXX despite the account being marked " Current '' before closing. 
* Experian : Reflects 30- and 60-day late payments in XXXX, XXXX, and XX/XX/XXXX, which contradicts XXXX XXXX XXXX XXXX 
* XXXX : Reports 30- and 60-day late payments in XXXX and XX/XX/XXXX, but no similar late payments appear on Experian or XXXX in the same months. 
* These inconsistencies in payment history falsely damage my credit score and financial standing. 
4. Conflicting Account Closure Dates : * XXXX : XX/XX/XXXX * Experian : Not listed * XXXX : Not listed * The account should be uniformly marked closed on all reports, yet some bureaus continue to report different statuses. 
5. Incorrect Reporting of Account Type and Terms : * XXXX and Experian list it as a secured loan with a 24-month term, while XXXX does not confirm the term length at all. 
* The payment frequency is listed as " Monthly ( every month ) '' in XXXX but missing from Experian and XXXXanother failure to maintain accuracy. 
Federal Law Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( b ) * Credit bureaus must report accurate and consistent information. The discrepancies across all three reports show clear non-compliance. 
2. Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666 * Inaccurate late payments and conflicting account details cause harm to my creditworthiness, violating the FCBAs protections.

3. Consumer Financial Protection Act ( CFPA ) 12 U.S. Code 5531 * The misreporting of payment history and incorrect closure dates constitutes an unfair, deceptive, and abusive act ( UDAAP ). 
Demand for Immediate Deletion Due to these serious and multiple violations, I demand the immediate and permanent deletion of this SELF/LEAD account from all three credit bureaus ( XXXX, Experian, and XXXX ) XXXX 
If this demand is not met within 15 days, I will escalate this matter by : * Filing additional complaints with the Federal Trade Commission ( FTC ) and my State Attorney General. 
* Pursuing legal action for willful non-compliance under the FCRA, which entitles me to statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. 
* Seeking a court order for removal of this erroneous account. 
This matter is urgent, and I will not tolerate any delays or generic responses. I expect a written confirmation of this accounts deletion within 15 days of receipt of this letter. Failure to act accordingly will result in legal and regulatory consequences. 
Sincerely, 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