Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
I looked over my credit report and saw that several accounts on my report were reporting inconsistent information across the reporting agencies. I sent the following letter to Experian on XX/XX/XXXX. " To whom it may concern, I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. According to the Fair Credit Reporting Act ( FCRA ), as a consumer, I am entitled to have all of the information that is stated on my credit report be accurately reported and that any inaccurate information must be removed. Based on this, I dispute the accuracy of the following accounts. 
Name : XXXX XXXX Account Number : XXXX Reason for Dispute : Reporting inaccurate account status XXXX is reporting the account as closed, while Experian is reporting the account as 120 days late. 
Account must be removed for inaccurate reporting. 
Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : Reporting inaccurate account status XXXX XXXX reporting the account as a collection/charge off, while Experian is reporting the account as 120 days late.

Account must be removed for inaccurate reporting. 
Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : Reporting inaccurate account status XXXX is reporting the account as closed, while Experian is reporting the account as 90 days late. 
Account must be removed for inaccurate reporting. 
In compliance with the Fair Credit Reporting Act, I request that these inaccurate accounts be removed from my credit file. Thank you for your assistance in this matter. '' After the allotted 30 days, all accounts listed are still present on my credit report. I sent another letter on XX/XX/XXXX, and it reads as follows : " To whom it may concern, On XX/XX/XXXX, I sent a letter detailing multiple inaccuracies on my credit report. According to the Fair Credit Reporting Act ( FCRA ), as a consumer, I am entitled to have all of the information that is stated on my credit report be accurately reported and that any inaccurate information be removed. After bringing the imprecise accounts to your attention, they still have not been removed from my report. In accordance with federal law, I am disputing the following accounts due to the subsequent inaccuracies. 
XX/XX/XXXX Name : XXXX XXXX Account Number : XXXX Reason for Dispute : Reporting inaccurate account status XXXX is reporting the account as closed, while Experian is reporting the account as 120 days late. Account MUST be removed XX/XX/XXXX Name : XXXX XXXX Account Number : XXXX Reason for Dispute : Reporting inaccurate payment history Experian XXXX reporting XXXX late payments, while XXXX XXXX reporting XXXX late payments. Account MUST be removed XX/XX/XXXX Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : Reporting inaccurate account status XXXX XXXX reporting the account as a collection/charge off, while Experian is reporting XXXX account as 120 days late. Account MUST be removed XX/XX/XXXX Name : XXXX  XXXX Account Number : XXXX Reason for Dispute : Reporting inaccurate payment history Experian is reporting 5 late payments, while XXXX is reporting 0 late payments. Account MUST be removed XXXX. XX/XX/XXXX Name : XXXX XXXX  Account Number : XXXX Reason for Dispute : Reporting inaccurate account status XXXX XXXX reporting the account as closed, while Experian XXXX reporting the account as 90 days late. Account MUST be removed XX/XX/XXXX Name : XXXX XXXX Account Number : XXXX Reason for Dispute : Reporting inaccurate payment history Experian is reporting 8 late payments, while XXXX is reporting 0 late payments. Account MUST be removed In compliance with the Fair Credit Reporting Act, I request that these accounts be removed for reporting incorrect information on my credit report. I have attached a copy of my social security card, as well as my drivers license to verify my identity. If this matter is not resolved, I will have no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). Thank you for your assistance in this matter. '' As of this date, XX/XX/XXXX, the accounts in question are still present on my credit file. 
XXXX. Name : XXXX Experian is reporting the account as past due, while XXXX is reporting the account as closed. 
Experian is reporting XXXX late payments, while XXXX is reporting XXXX late payments XXXX. Name : XXXX Experian is reporting the account as past due, while XXXX is reporting the account as closed. 
Experian is reporting XXXX late payments, while XXXX is reporting XXXX late payments. 
XXXX. Name : XXXX XXXX Experian is reporting the account as past due, while XXXX XXXX is reporting the account as closed. 
Experian is reporting XXXX late payments, XXXX is reporting XXXX late payments, and XXXX is reporting XXXX late payments. 

All of these accounts where last reported to the bureaus between XX/XX/XXXX and XX/XX/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