Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern : The Fair Credit Reporting Act is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail with it. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA if the following inaccurate, incomplete, inconsistent, and unverifiable accounts are not fully corrected or removed within the 30 days provided by the FCRA. 
I received a copy of my credit report with the intention of just reviewing my credit and take care of my responsibilities and notice a few accounts that I must have a little bit more explanation on. I also read the fair credit reporting act where it said I had the right to challenge anything am not sure is accurate, complete, and Mine. The FCRA demands that if you can not validate the reported information, those accounts must be deleted. Well, can you please remove these accounts because they are not 100 % right and correct. 

IM SURE YOU ARE FAMILIAR WITH 15 USC SECTION 6 1681 5 ( A )? IT CLEARLY STATES THAT IF, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and Well, the above-mentioned laws ( FCRA and FACTA ) along with the XXXX XXXX XXXX demands these inaccurate, incomplete, and unverifiable accounts must be deleted. So, could you please check on these and get back to me? ( See XXXX XXXX XXXX XXXX segment field violations outlined in this letter. ) XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX  XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : No Data Reported 2 ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : No Data Reported 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : No Data Reported c ) The XXXX shows : No Data Reported XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : No Data Reported c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 2 ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported I want to thank you in advance for your speedy assistance with this matter. 

Respectfully submitted, 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