Consumer complaint received 2024-05-07 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: CA

Complaint narrative:
I have made several attempts to dispute some inaccurate information on my credit report. In my first letter to Experian, I asked for a complete investigation of my credit report to ensure that everything on my credit file was correct. Experian company confirmed that everything was 100 % accurate which was not true ; therefore, I disagreed with the decision because after reviewing my credit report again. I still found several inaccurate items on my credit report, so I asked for a re-investigation. Experian company confirmed again that the information reporting was accurate. So I followed my consumer laws and asked for verification methods of how you verified that these accounts were accurate, and I haven't received anything from Experian yet.

At this point I am getting very frustrated with Experian, a consumer report agency who is not doing its job to ensure that you are reporting accurate information to my credit report. I am a law abiding tax paying U S citizen who has consumer laws that are being violated. I have attached several documents showing factual information of inaccurate item reporting on my credit report, and by law these accounts must be removed. This is my second letter showing factual inaccurate and incorrect information on my credit report. I have also attached my previous letter. I have also reached out to all three major credit bureaus and it seems like XXXX is the only one who cares about consumers and their rights because they have taken the initiative to make the correction and delete these inaccurate accounts. I would gladly appreciate it if Experian does the same thing. 

According to 15 U.S Code 1681 the consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. Also after reading my consumer laws, I've noticed that if a consumer agency is reporting inaccurate information on my consumer report that is a violation of my rights.15 U.S.C 1681 section 602. 

Please see the following accounts listed below : The following accounts on my credit report have been reporting inconsistent and inaccurate. 
XXXX  with account number XXXX. This account was charged off on XXXX. Since then the date of last activity has been inconsistently updating. On XXXX it's XXXX, and on Experian it's XXXX. If this information is coming from the original creditor, the dates should be the same. This is important because this reflects the date these accounts will fall off my credit report. This account also is reporting charge off status consecutively XXXX and XXXX which is re-aging this account. This is illegal to re-age an account and it also changes my statute of limitation date. You can not say this account is XXXX XXXX accurate because they have different dates. The date opened is all reporting inconsistent, on Experian reporting XXXX, but XXXX is reporting XXXX. Again If this information is coming from the original creditor, the dates should be the same. Also the high credit states XXXX on Experian but XXXX on XXXX. XXXX has deleted this inaccurate account and I would love it if your company would also please delete this account from my credit report immediately. 
XXXX XXXX with account number XXXX. This account was charged off in XX/XX/XXXX. Since then the date of XXXX  activity has been inconsistently updating. On XXXX it's XXXX, Experian it's XXXX, and was reporting on XXXX XXXX but they deleted this inaccurate account. The date opened is all reporting inconsistent XXXX and Experian as XXXX, but XXXX it shows XXXX. Once again these dates should be consistent across all three bureaus and it is not, therefore, You can't say this account is XXXX XXXX accurate. This account shows charge off status in XX/XX/XXXX on Experian but shows good standards on XXXX. This is not reporting accurately. Also if this account is charged off, I should not have a balance and a monthly  payment. This will re-age my account which is illegal and affect my statute of limitation date, so please delete this account. XXXX has deleted this inaccurate account and I would love it if your company would also please delete this account from my credit report immediately. 
XXXX XXXX with account number XXXX. This account is reporting inconsistently and inaccurate on my credit report. The date of last activity has been modified since my last letter and is reporting the same date which is shown XXXX and Experian XXXX but date this account was opened is all reporting inconsistent Experian XXXX, but on XXXX on XXXX. Again If this information is coming from the original creditor, why aren't the dates the same. My payment date is also reporting inconsistent, If I made my payment on the same date how is it being reported on different dates? It shows on XXXX that my last payment was XXXX but on Experian it shows XXXX. This account also is reporting charge off status consecutively which is re-aging this account. This is illegal to re-age an account and it also changes my statute of limitation date. Please Delete this account from my credit report immediately. XXXX has deleted this inaccurate account and I would love it if your company would also please delete this account from my credit report immediately. 
XXXX  XXXX with account number XXXX This account is reporting inconsistently and inaccurate on my credit report. The date of last activity has been inconsistently updating on this account. On XXXX it reports as XXXX and on Experian XXXX is important because this reflects the date these accounts will fall off my credit report and affects my statute of limitation date on this account. How can you say this account is XXXX XXXX accurate because they all have a different date. The date this account was opened is also reporting inconsistent Experian XXXX, but on XXXX on XXXX. Again If this information is coming from the original creditor, why aren't the dates the same. Why is it shown I opened an account on XXXX different dates? If this account was accurate the date should all be the same. Please Delete this account from my credit report immediately. XXXX has deleted this inaccurate account and I would love it if your company would also please delete this account from my credit report immediately. 
XXXX  with account number XXXX This account is reporting inconsistently and inaccurate on my credit report. The date of XXXX activity has been inconsistently updating on this account. On XXXX it reports as XXXX but on Experian XXXX. This is important because this reflects the date these accounts will fall off my credit report and affects my statute of limitation date on this account. You can not say this account is XXXX XXXX accurate because they all have a different date. This account is not reporting accurately on my credit report and I demand you to delete it because this violates my consumer laws and rights.. The date opened is all reporting inconsistent Experian XXXX, but on XXXX on XXXX. My balance is reporting incorrect and inconsistent, on Experian my balance is XXXX  but on XXXX my balance is XXXX Again If this information is coming from the original creditor, why aren't the dates and balance the same? So how can you say this account is accurate? My past due amount says XXXX on XXXX but says XXXX on Experian, so which one is correct? Also my payment history is incorrect starting with XX/XX/XXXX, how can my payment be XXXX days late if the month before it was only XXXX  days late. My payment was on time in XX/XX/XXXX so how can it be XXXX  days late one month later in XX/XX/XXXX? Same thing in XX/XX/XXXX my payment was on time so how can my payment be XXXX  days late one month later in XX/XX/XXXX? There are several inaccuracies on this account so please abide by the consumer laws and delete this account please. Please Delete this account from my credit report immediately. 

These accounts are not reporting accurately on my credit report, and according to my consumer rights, they must be deleted. There are several I mean several inaccurate items reporting on my credit file. I have the right to get accurate information reported on my credit report. By law the consumer reporting agency must assure the maximum possible accuracy of the information concerning the individual about whom the report relates. In my case this has not taken place and I demand all these accounts listed above be DELETED or REMOVED from my credit report. I have given you numerous evidence showing proof that this information is not accurate and reporting inaccurate information on my credit report which goes against an American US citizen consumer 's rights.

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