Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as a formal and urgent demand for correction of the numerous inaccuracies on my credit report related to the XXXX XXXX XXXX  and XXXX  XXXX accounts. These inaccuracies reflect gross violations of the XXXX XXXX reporting standards and violate the Fair Credit Reporting Act ( FCRA ) 1681s-2, which mandates accurate and consistent reporting by all data furnishers. The negligent and inconsistent reporting practices observed in these accounts not only distort my creditworthiness but also expose your agency to liability under federal law. 
I demand immediate investigation and rectification of these violations. If you fail to address these issues within 30 days of receipt of this letter, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue all available legal avenues for damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
XXXX XXXX XXXX  - Account Ending in XXXX XXXX. Discrepancy in Payment Status : The payment status across XXXX, Experian, and XXXX is inconsistent. The XXXX XXXX standards mandate that all credit bureaus report identical information for the same account. This discrepancy creates a distorted view of my payment history, violating XXXX XXXX requirements for uniform reporting. 
XXXX. Improper Late Payment Reporting : This account reflects conflicting late payment entries across bureaus. XXXX XXXX standards require that late payment information be reported consistently. Any deviation among bureaus is a direct violation and an attempt to unlawfully inflate my delinquency history. 
XXXX. Inconsistent Last Activity Date : The last activity date varies among bureaus, contradicting the requirement for accuracy in reporting. This inconsistency is unacceptable and a clear breach of XXXX XXXX guidelines. I demand that the correct last activity date be uniformly applied across all bureaus. 
XXXX. Incorrect High Balance Reporting : Each bureau has reported different high balances. 
This disparity affects my credit utilization ratio, creating an inaccurate assessment of my financial standing. XXXX XXXX compliance requires uniform high balance reporting across all bureaus, and your failure to adhere to this is a severe violation. 
XXXX  XXXX - Account Ending in XXXX XXXX. Non-Uniform Account Status Reporting : The account status is reported inconsistently across bureaus. XXXX XXXX standards require uniformity in account status reporting, and this discrepancy not only misrepresents the true state of my account but also violates FCRAs mandate for accuracy. 
XXXX. Discrepancy in Last Payment and Last Activity Dates : The last payment and last activity dates are reported differently across XXXX, Experian, and XXXX. These dates are critical for assessing my payment history and must be uniform. This inconsistency is a direct breach of XXXX XXXX compliance standards, and I demand immediate correction. 
XXXX. Irregular Reporting of Credit Limit and High Balance : The high balance and credit limit fields differ across the bureaus, affecting my credit utilization calculation. This variance is a clear violation of XXXX XXXX requirements, which mandate that credit limits and high balances be reported consistently across all bureaus. 
XXXX. Inconsistent Comments and Payment History : The comments section and payment history report contradictory information regarding dispute resolutions and payment statuses. XXXX XXXX guidelines stipulate that all information must be verified and uniformly reported to avoid misleading data. The discrepancies in this account reflect negligence and noncompliance with these requirements.

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 non-monetary relief