Consumer complaint received 2025-02-25 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kansas. XXXX XXXX XXXX Experian Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information and Request for Deletion of XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to dispute the inaccuracies and errors related to my XXXX XXXX XXXX XXXX account ( opened in XX/XX/XXXX ) that are currently being reported on my credit file. I have previously disputed this account, but despite the notation Dispute resolved reported by grantor, the inaccuracies remain, and no corrective action has been taken. Below are the specific issues with the reporting by your respective credit bureaus : 1. Account Status : TransUnion reports that the account was closed on XX/XX/XXXX, but Experian does not report any closed date at all. This inconsistency suggests a failure to properly investigate and resolve the dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Last Activity : TransUnion reports the last activity date as XX/XX/XXXX, while Experian fails to report any last activity. Again, this discrepancy highlights a failure to ensure accuracy under FCRA guidelines.

3. Account Terms : Experian reports the account as having an 85-month term, while TransUnion reports no terms at all. This failure to provide consistent and accurate information violates the requirement for the accurate reporting of credit information as outlined by the FCRA. 
XXXX. On-Time Payments : From XX/XX/XXXX through XX/XX/XXXX, Experian did not track my on-time payments and instead marked them as NR ( Not Reported ). TransUnion has also marked the months from XXXX to XX/XX/XXXX as XXXX, but it reported XXXX for the month of XX/XX/XXXX. However, Experian reports XXXX for XX/XX/XXXX, and TransUnion reports XXXX for the same month of XX/XX/XXXX. These conflicting and incorrect marks for on-time payments demonstrate a lack of investigation and reporting accuracy. 
XXXX. Delinquency : Experian reports the worst delinquency as 30 days past due, while TransUnion reports no delinquency for the account. This is a clear violation of the FCRA, as both bureaus are reporting conflicting information on the same account.

6. Payment Status : TransUnion reports the account as Paid or paying as agreed, while Experian reports the account as Paid account/was 30 days past due. These discrepancies in payment status show a failure to accurately track and report the status of this account, violating the FCRAs accuracy standards.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( which requires credit bureaus to conduct reasonable investigations upon receiving disputes ) and Section 1681e ( b ) ( which mandates that credit reporting agencies maintain accurate information ), the discrepancies in the reporting of my XXXX XXXX XXXX XXXX account constitute a violation of my rights. Specifically, these inaccuracies demonstrate that the investigations were not conducted properly, as evidenced by the inconsistent reporting across the bureaus. 

FCRA Violations : Section 1681i : Credit bureaus must conduct reasonable investigations when a dispute is filed and must resolve the dispute by correcting or deleting any inaccurate information. The failure to correct the discrepancies in this account constitutes a violation of this section.

Section 1681e ( b ) : Credit bureaus are required to maintain and report accurate information. The continued reporting of conflicting and inaccurate information regarding account status, terms, last activity, delinquency, and payment status is a violation of this requirement.

Legal Entitlement : As a result of these violations, I am entitled to the following : 1. Immediate deletion of the inaccurate and incomplete account information.

2. Correction of the account details to ensure accurate and consistent reporting of terms, activity, payments, and delinquency status.

3. A written confirmation of the investigation and actions taken to correct the information.

CFPB Lawsuits and Consumer Protection : Both Experian and TransUnion have faced lawsuits from the Consumer Financial Protection Bureau ( CFPB ) for failing to conduct proper investigations into disputed accounts and for violations of the FCRA. These actions further demonstrate the ongoing failure of these credit bureaus to comply with the law and their responsibilities to consumers. 

Given these facts, I demand that you delete this XXXX XXXX XXXX XXXX account entirely from my credit report. I also request written confirmation of the actions taken to investigate and correct the reported inaccuracies, in accordance with the FCRA. 

Please consider this a formal request under the Fair Credit Reporting Act, and ensure all information is thoroughly investigated and corrected in accordance with the law. If this matter is not resolved in a timely and accurate manner, I will consider further action, including filing complaints with the Consumer Financial Protection Bureau and seeking legal counsel. 

Thank you for your prompt attention to this matter.

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