Consumer complaint received 2024-06-06 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: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally file a complaint regarding the reporting of inaccurate information by several credit reporting agencies, which is causing significant harm to my financial standing and personal well-being. Despite my efforts to resolve this matter directly with the credit reporting agencies, the inaccuracies persist. These errors are severely impacting my credit score, which in turn affects my ability to obtain loans, secure housing, and achieve financial stability. 

Here are the specific details of the inaccuracies reported by XXXX XXXX XXXX Account # : XXXX Account Type : Installment account Account Type - Detail : Auto Loan XXXX Code : Individual account Account Status : Open Monthly Payment : {$370.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} No. of Months ( terms ) : 75 Months High Credit : {$20000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : XXXX : Paid or paying as agreed Experian : Now redeemed, was a repossession XXXX : Pays account as agreed Last Reported : XX/XX/XXXX Comments : XXXX : Dispute resolved; customer disagrees Experian : Completed investigation of FCRA dispute consumer disagrees XXXX : REDEEMED REPOSSESSION AUTO FIXED RATE Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX Payment History : | Month | XX/XX/XXXX | XXXX XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | | -- -- -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | -- -- -- -- | | XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | OK | OK | OK | XXXX | XXXX | XXXX | | Experian | XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to the inaccuracies listed above, the account was deleted and then reinserted into my credit report without proper notification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). This continuous misreporting and re-insertion without notice is unjustly penalizing me. 
Furthermore, according to 15 U.S. Code 1666B, late payments can not be reported if the payment was not properly credited to my account due to the creditor 's failure to post the payment correctly. This legal provision has been violated in this case, as evidenced by the discrepancies in the payment status across the three credit bureaus.

I kindly request the CFPB to investigate this matter and take the necessary actions to ensure that the credit reporting agencies correct these inaccuracies promptly. The ongoing errors in my credit report are unjustly penalizing me, and I seek your assistance to rectify this situation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely,

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