Consumer complaint received 2024-10-23 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and inconsistent reporting of a collection account from XXXX, which has been placed on my credit report by XXXX, Experian, and XXXX. Below are the specific details of the account, along with the identified discrepancies. 

Account Information : Account Number : XXXX Original Creditor : XXXX XXXX Owed : {$270.00} Creditor Type : Collection services/ Other Collection Agencies Date Opened : XX/XX/year> Date Closed : Conflicting information ( XX/XX/year> in XXXX XXXX XX/XX/year> in Experian, XX/XX/year> in XXXX XXXX Payment Status : Seriously past due/ assigned to collection agency Dispute Status : Account not disputed ( despite attempts to dispute with all three bureaus ) XXXX XXXX Credit Bureaus XXXX Conflicting Dates of Last Activity : XXXX XXXX the last activity on XX/XX/year>, while Experian XXXX XX/XX/year>. XXXX incorrectly lists the last activity as XX/XX/year>, which is in the future and clearly an error. 
These inconsistencies raise questions about the accuracy of reporting and the legitimacy of the account 's status on each report. 
Inconsistent Closing Dates : XXXX lists the closed date as XX/XX/year>, while Experian shows the account closed on XX/XX/year>, and XXXX lists XX/XX/year>, which is not only inconsistent but also in the future, making it factually impossible. 
Inconsistent Payment Status : XXXX lists the status as " Seriously past due/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' Experian and XXXX simply mark the payment status as " Unpaid, '' which is inconsistent with the more severe description on XXXX. 
Unreported Two-Year Payment History : None of the bureaus are reporting a payment history for this account, which raises doubts about the completeness of the information reported. 
Dispute Status Error : Despite my efforts to dispute this account, all three credit bureaus have listed the account as " not disputed. '' This misrepresentation undermines my right under the Fair Credit Reporting Act ( FCRA ) to challenge inaccurate or outdated information. 

I have made multiple attempts to dispute this account directly with the credit bureaus, but no corrective actions have been taken. If these inaccuracies are not immediately resolved and the negative item removed, I intend to pursue legal action to enforce my rights under the FCRA. 

I request that the CFPB take immediate action to investigate these inaccuracies and ensure that my credit report is corrected promptly. I have attached supporting documents, including copies of my credit reports from all three bureaus and evidence of prior disputes, to assist with your investigation. 

Thank you for your attention to this matter. I trust that this will be resolved swiftly.

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