Consumer complaint received 2024-08-13 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: SC

Complaint narrative:
I am contacting you because I am concerned about something I discovered in my credit report that was provided to me by your bureau. I stressed out and got my credit score down because of all the mistakes I saw when going through it. I found the following mistakes. 

Accounts : XXXX : XXXX, The account is inaccurate and not consistent with the other accounts from the other bureaus. Please investigate and delete the item., This account date is inaccurate is not matching the data with the other bureaus. 

XXXX XXXX XXXX, This inaccurate account has Data that is not consistent with the other two credit bureaus. Looking for a deletion correction. 

XXXX XXXX XXXX, It appears that the account has different information from the other two bureaus which is inaccurate? Who has the correct information? Delete the issue presented. XXXX XXXX XXXX XXXXXXXX, The account data is confusing because the data is inconsistent with the data from the other bureaus. I need this deleted ASAP. XXXX : XXXX, The law says the account listed here is supposed to be reported 100 % accurate. Why is it different on each credit bureau? Need you to investigate and delete. XXXX This account is inaccurate, please delete off my credit report. XXXX XXXX XXXXXXXX, This account needs to be verified that its reporting correctly. Look at this closely and purge it from my report. 

XXXX XXXX XXXX XXXX  XXXX, The credit information is referenced as wrong due to the way it's being reported. Purge it from my credit report. XXXX XXXX XXXXXXXX, Falsely listed on the credit report because it's not being reported correctly. Investigate the matter and remove the error asap. 

Knowing a little bit about credit laws, I am aware that I am protected by the Fair Credit Reporting Act ( FCRA ). I can dispute and request corrections for inaccurate information on my credit report thanks to this act. In addition, the Act mandates that your bureau provide me with a complimentary copy of my credit report within a specified timeframe following the submission of this letter.

My ability to maintain financial stability is being seriously harmed by these mistakes. I feel angry about this situation. I've worked really hard to maintain my credit, but these errors were avoidable. These mistakes damage my financial reputation ; they're more than just numbers. Because it involves defending someone's rights and clearing a record, I beg you to take immediate action on this significant issue. 

I want it known that I am not content with the current state of affairs. Credit reporting agencies are required by the FCRA to maintain accurate and current records of individuals ' personal information. These kinds of mistakes not only violate the law but also erode public confidence in the system. 

I want you to know that I will take legal action to defend my rights as a customer if necessary. To avoid having to do this, though, I sincerely hope that you will move swiftly to resolve this issue and fix the errors on my credit report. 

For this significant issue, I'm hoping for a prompt and thorough response. If you require any additional information or documentation to assist in resolving this dispute, kindly contact me. I'm hoping that the mistakes on my credit report will be addressed quickly. 

I appreciate your help and patience in this matter. 




Regards.

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 non-monetary relief