Consumer complaint received 2024-03-24 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: TX

Complaint narrative:
Experian, Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error. 
XXXX ) XXXX XXXX This account claims that my last payment was XX/XX/XXXXXXXX  but in your payment history it shows that I made a on time payment XX/XX/XXXX. You as well have different open dates from the other bureaus have, different last active dates. There are several inaccuracies from one bureau to the other which is causing major inaccuracies. I would like the account removed. You are the only bureau reporting any payment history on this charged off account XXXX ) XXXXXXXX XXXX XXXX You have a credit limit of XXXX that XXXX does not have because they show XXXX, last active date do not match other bureaus, and the last Payment date also does not match. In XXXX of XXXX you show I am 30 days late but XXXX has my last payment date as XX/XX/XXXX, also the very next month if I were to be late should reflect 60 days but you reported 90 days late, then in XXXX of XXXX you stated I was 150 days late but XXXX has it as XXXX. All these inaccuracies raises issues for my former lenders and have for some time now. This is a major violation of my rights and the laws that govern my credit report. I want this account removed immediately. 

XXXX ) XXXX This account has a totally different open date as the other bureaus, same with last reported date, and last active and let 's not leave out that the last payment date does not match either. This whole account is inaccurate and in major violation of my rights and the law. You report that in XXXX and XXXX of XXXX I was 30 and 60 days late but XXXX has on time payments for both months, then in XXXX, XXXX, And XXXX of the same year XXXX you have me as late 30, 60, and 90 days late but again XXXX has on time payments again for the 3 months, XX/XX/XXXX you report I am 120 days late but XXXX only has 30 days. XX/XX/XXXX you report I am now 150 days late and XXXX has me as only XXXX. You report the account is charged off in XX/XX/XXXX but XXXX is reporting 7 more months of payment history. This has stopped me from several loan and housing opportunities because of the inaccurate payment history you report on this account. I want it removed immediately. 

XXXX ) XXXXXXXX XXXX XXXX XXXXXXXXFirst off this account is listed two times on my report I understand that a credit can report no totals and sell the debt and the creditor can report as well but both accounts have derogatory remarks on them which is double jeopardy because both are harming my credit. It is very illegal that you report tht this is an open account when in fact it is a charged off account. I feel this is to trick the system and force the payment history to harm me tremendously. This is highly illegal. But besides that your open date does not match that of the other bureaus, and finally your last active date does not match either. I want this account removed due to the violation of my rights immediately. 

XXXX ) XXXX  XXXX XXXXThis inaccurate account starts as not reporting the same open date as the other bureaus, last reported late, last active date and finally the last payment.. There isn't anything to be accurate because everything on this account is inaccurate. You have several dates where you report that it is a charged off account where the other bureaus have on time payments and this isn't just once it's several several times. I want it removed as it is in serious violations. 

XXXX ) XXXX You report an open date that does not match the other bureaus, a last reported date, and finally a last active date. If none of these match the other bureaus how are you reporting 100 percent accuracy.. This account is in serious violation and I would like it removed immediately. You are the only bureau that is reporting a payment history in a charged off You also show that after 90 days late you went right to charge off which I thought should be done after 150 days late. But regardless you have violated my rights and the laws so I would like this account removed immediately. 


XXXX ) XXXX once again you are the only bureau that is reporting a payment history on a charged off account. But besides that you aren't accurately reporting with the other bureaus because your open date is not the same, last reported date which is 2 years off but it still isn't either and then finally neither is the last payment date. Please remove this account due to all the inaccurate report you are doing. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items wit the creditor who has posted them. Please remove any information that the credit can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours, [ Your_signature ] [ Your_First_Name ] [ Your_Last_Name ] 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