Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
am filing this complaint against XXXX XXXX XXXX  and the credit bureaus ( Experian, Equifax, and TransUnion ) due to inaccurate, inconsistent, and misleading reporting of my account information in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and other consumer protection laws. 

Despite my previous disputes, XXXX XXXX XXXX  and the credit bureaus have failed to correct or delete inaccurate data, making my credit file unreliable and damaging my creditworthiness. 
Detailed Explanation of the Issue : Inconsistent " Date Opened '' Reporting Across Bureaus Experian & TransUnion list the open date as XX/XX/XXXX. 
Equifax lists the open date as XX/XX/XXXX. 
This discrepancy violates the FCRAs accuracy requirement ( 15 U.S.C. 1681e ( b ) ). 
Inconsistent " Date Reported '' Across Bureaus ( Serious Violation ) Equifax lists " Date Reported '' as XX/XX/XXXX. 
Experian lists " Date Reported '' as XX/XX/XXXX. 
TransUnion lists " Date Reported '' as XX/XX/XXXX. 
These dates are contradictory and impossible since they contain future dates that have not yet occurred. 
This demonstrates that XXXX XXXX XXXX  and the credit bureaus are reporting false, inaccurate, and unverifiable information in violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 
Failure to Conduct a Proper Investigation After My Dispute I disputed these errors with the credit bureaus, but they failed to properly reinvestigate and correct the inaccuracies. 
This is a direct violation of FCRA 15 U.S.C. 1681i ( a ), which requires a meaningful reinvestigation within 30 days of my dispute. 
Misleading Information Causing Credit Damage The inconsistent reporting of open dates and reported dates makes it appear as though this account was repeatedly reopened, updated, or changed, potentially harming my creditworthiness. 
Under FDCPA 15 U.S.C. 1692e ( 8 ), it is illegal to furnish misleading credit information to the credit bureaus.

Legal Violations Committed : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Violation of Accuracy Requirements ( 15 U.S.C. 1681e ( b ) ) Credit bureaus are required to ensure maximum accuracy of reported information. The conflicting open and reported dates prove failure to meet this standard. 
Failure to Reinvestigate My Dispute ( 15 U.S.C. 1681i ( a ) ) The credit bureaus did not properly investigate or correct the disputed information within the legally required timeframe. XXXX XXXX XXXX Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ) XXXX XXXX is knowingly furnishing false, inconsistent, and misleading data. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) Prohibition Against False or Misleading Information If XXXX XXXX is attempting to collect on this account, they are misrepresenting material facts by reporting inaccurate open and reported dates. 
XXXX. Federal Trade Commission ( FTC ) Rulings & Regulations Failure to Maintain Accurate Data Standards The FTC has fined credit bureaus in the past for failing to correct errors after consumer disputes. The continued reporting of conflicting data puts XXXX XXXX XXXX  and the credit bureaus in violation of these enforcement standards.

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