Consumer complaint received 2023-09-22 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: PA

Complaint narrative:
Re : Discrepancies and Errors in Credit Reporting by Experian Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into and resolution of significant discrepancies and inaccuracies in the credit reporting provided by Experian. As a consumer based in XXXX, Pennsylvania, I have recently started a consumer law practice, and it has come to my attention that Experian has been reporting incorrect and outdated information, which has adversely affected my XXXX XXXX and my ability to build a favorable credit profile. 

I have attached a packet containing my credit reports from Experian, XXXX, and XXXX, which clearly illustrate the discrepancies in Experian 's reporting. The following issues require immediate attention and correction : Divergence in Credit Scores : Experian 's XXXX XXXX differs significantly from both XXXX and XXXX. Experian 's score is XXXX points lower than XXXX and XXXX points lower than XXXX. Such discrepancies raise concerns about the accuracy of Experian 's reporting. 

Outdated Information : Several entries in my Experian credit report, such as charge-offs and old closed accounts, have not been updated for several months, despite the same accounts being updated on other credit reports, including XXXX and XXXX. For instance, the " status updated '' date for the XXXX XXXX account is XX/XX/XXXX, while the " balance updated '' date is XX/XX/XXXX, and the " last payment date '' is XX/XX/XXXX. These inconsistencies violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Discrepancies in XXXX XXXX : Experian reports significantly higher loan and total debt amounts compared to XXXX and XXXX. Experian 's reporting shows a loan debt of {$28000.00}, while XXXX and XXXX report substantially lower figures of {$20000.00} and {$20000.00}, respectively. These discrepancies are not only inaccurate but also detrimental to my credit profile. 

I kindly request that the CFPB conduct a thorough investigation into these discrepancies and inaccuracies and take the necessary steps to compel Experian to correct and update the information on my credit report promptly, with all amendments reflected as late as XX/XX/XXXX. These discrepancies not only harm my creditworthiness but also violate my rights as a consumer under the FDCPA and FCRA. 

Enclosed, please find copies of the relevant credit reports with the highlighted discrepancies for your reference. I am also prepared to provide any additional documentation or information you may require to facilitate this investigation. 

I appreciate your prompt attention to this matter and your commitment to ensuring fair and accurate credit reporting. Please inform me of any updates or actions taken regarding this dispute. 

Thank you for your assistance in resolving this issue. 

Enclosures : Experian Credit Report XXXX Credit Report XXXX Credit Report

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