Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is| XXXX XXXX. 
My Social Securite Number 's is XXXX Response to complaint numberXXXX Re : under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) To Whom it may concern..XXXX XXXX XXXX  again claims that the disputed information on these accounts : Account name : XXXX  XXXX XXXX Account number : XXXX were verified but still contain inaccurate, unverifiable information. According to XXXX XXXX XXXX the information is correct and accurate and their position remains the same regarding my first and second investigation of the accounts described above. I tried to correct the information twice but I still see obvious errors in my credit report. 
I have paper evidence included in this letter showing that XXXX XXXX XXXX XXXX YES ) has errors in their reports and the information is not accurate or precise XXXX  XXXX XXXX  has violated 15 U.S.C. Sec. 1681i ( a ) of the consumer rights and is still reporting inaccurate and different information in each credit bureau. 

self claims that the account closing date is XX/XX/XXXX but only reports that information to XXXX, not to Experian or XXXX, I demand that you give me proof of where you get that information to verify that date, and why don't you report it to the other credit bureaus? 
it is my right under the law 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ). 

Self claims the last payment date is correct but shows a different day in each credit agency ( attached proof of that ), in XXXX it declares the date of XX/XX/XXXX in XXXX another different XXXX, it reports the day XX/XX/XXXX and in Experian another different one also from the previous XXXX, reporting the day XX/XX/XXXX, Self is lying and violating the consumer rights laws ( FCRA ) 15 U.S. Code 1681i ( 5 ).

Under law 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I demand that Self show written proof of the process it carried out to determine that this information is accurate and complete as stipulated in the last letter sent to me ( I show proof of the letter ). 

XXXX XXXX XXXX Says XXXX adjusts all of its dates on the first of each month. XXXX  claims the opening date is correct ( XX/XX/XXXX ) and verified with XXXX and other credit bureaus, XXXX  STILL reflects inaccurate and inconsistent information compared to Experian and XXXX, under XXXX XXXX Code XXXX ( XXXX ) ( B ) ( XXXX ) ( XXXX ) .I require Self to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account. 

Self reports that the High Balance of the account is XXXX in XXXX and Experian but XXXX shows a different one ( 125 ). ( inaccurate information ), under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I require Self to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account. 

Self is reporting inaccurate and uneven information in each credit agency, the Last Verified, Date Reported and the Date of Last Activity of the account are reporting uneven dates in each XXXX of them Experian, XXXX and XXXX ( I show visual evidence ), under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( 7 ) .I require Self to provide me with written evidence of what method it used to verify the integrity and accuracy of the opening dates on this account. 

XXXX XXXX  a credit limit of XXXX to XXXX and Experian but does not report it to XXXX ( I show proof of that ). 

Under the law under 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) ( XXXX ) I have the right to know how XXXX  verified and determined that this account complies with the parameters of the FCRA and NO law IS BEING VIOLATED. I demand that if you can not provide written proof within 15 days after receiving this letter, the information must be removed from my Experian, XXXX and XXXX credit report as required by law. 

Under the law 15 U.S. Code 1681i ( 5 ) I demand the immediate deletion of the account mentioned in this dispute, I have questioned XXXX XXXX XXXX  multiple times about the accuracy of these accounts and XXXX XXXX XXXX  has not been able to correct the errors,,, the law 15 U.S. Code 1681i ( 5 ) stipulates that after reinvestigating an account disputed by the consumer ( me ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be removed immediately.

I demand that my written evidence in this disputed be reviewed and that XXXX XXXX XXXX  delete the account at Experian XXXX and XXXX, and enforce the law 15 U.S. Code 1681i ( 5 )

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