Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 for the Account # XXXX, Account # XXXX, Account # : XXXX, Account # XXXX. 
I am filing this complaint against Experian for their failure to comply with the requirements set forth under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I believe that Experian has neglected its legal obligations, resulting in potential harm to my creditworthiness and financial well-being, as they continually reported on my credit report from the account that it was accurate and verified. I am certain that these accounts are not accurate and verified because there are several erroneous errors on each of these accounts that dates to XXXXXXXX XXXX XXXXXXXX that I have addressed on several occasions with zero resolutions. 

Failure to Comply with FCRA Provisions I submitted a request for Account # XXXX, Account # XXXX, Account # : XXXX, Account # XXXX be verified as accurate, however, According to 15 U.S.C. 1681i ( a ) ( 6 ), the credit bureau is required to notify the consumer of the results of the investigation within 30 days of receiving notice of the dispute. As of the date of this complaint, I have not received any notification from Experian regarding the outcome of my dispute. 
In addition to the lack of notification, Experian has also failed to comply with other critical provisions of 15 U.S.C. 1681, including but not limited to rendering names, address, and contacts in which they verified the accuracy of this account in connection with the investigation. Therefore, it is to my full understanding of the provisions that this account must be deleted immediately. 

Account # XXXX XXXX shows that this account has zero missed payments, however the payment summary indicates several months with no recorded payments. XXXX XXXX XXXX Account # XXXX The status legend indicates that the account was charged off with {$8400.00} written off and {$8100.00} past due as of XX/XX/XXXX. However, the last payment date is listed as XX/XX/XXXX, which does not align with the stated past due amount and the charge-off details. 
The account was updated with a charged-off status in XX/XX/XXXX, yet the payment history reflects a charged-off status continuing beyond that date. 
Account # : XXXX The status legend indicates that the account was repossessed and has {$3000.00} past due as of XX/XX/XXXX. However, the last recorded payment date is XX/XX/XXXX. The reported status and past due amount should be consistent with the actual payment and repossession records. 
The status was last updated in XX/XX/XXXX, but the payment history reflects transactions and statuses beyond this date, which could indicate a reporting error. The payment history does not accurately reflect the actual payments made and the correct status of the account. 
Account # XXXX The account is listed as a " XXXXXXXX XXXX  '' with {$300.00} past due as of XX/XX/XXXX, but the original balance is also {$300.00}. This suggests no change in the balance over time, which may not accurately reflect any payments or adjustments made to the account. 
The status was updated in XX/XX/XXXX, yet the payment summary includes data from XXXX and XXXX. This inconsistency suggests that the account status may not have been updated correctly in the report. 



Impact on Me as a Consumer : The failure of Experian to comply with the FCRA has caused significant distress, including potential damage to my credit score and financial reputation. As I am a XXXX after XXXX XXXX XXXX XXXX, as of XX/XX/XXXX, and a XXXX XXXX of XXXXXXXX XXXX XXXX children, my consumer report accuracy and inaccuracy determines me and my familys financial worthiness, therefore I rely on complete transparency, accurate verification and timely information from credit reporting agencies to manage my financial affairs, and their non-compliance has put me at risk for negative consequences of credit denials, and a dark cloud over my head.

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