Consumer complaint received 2025-02-10 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX Account Number : XXXX Disputed Information : XXXX. Inconsistencies in the Date of Last Activity XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX The date of last activity should be consistent across all credit bureaus. These discrepancies can negatively impact the credit score and the duration of the negative report on the credit history. 
2. Differences in the Date Reported XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX All bureaus should report the information on the same date. The difference in Experian 's report may indicate an error in data updating. 
3. Discrepancy in the Account Closure Date XXXX : XX/XX/XXXX Experian : Not reported XXXX : Not reported If the account is closed, it should be uniformly reflected across all bureaus. 
4. Differences in the Most Recent Payment Date XXXX : Not reported Experian : XX/XX/XXXX XXXX : XX/XX/XXXX The last payment date should be consistent across all reports. 
5. Incorrectly Reported Payment History XXXX : No payment history reported. 
Experian and XXXX : Report late payments inconsistently. 
Experian reports late payments of XXXX, XXXX, XXXX, XXXX, and even 150 days. 
XXXX reports XXXX, XXXX, XXXX, and XXXX delinquencies with differences in the specific months. 
This indicates a possible misreporting or incorrect assignment of delinquency dates.

6. Lack of Consistency in the Credit Limit Experian : {$500.00} XXXX : {$500.00} XXXX : Not reported If the account had a credit limit, it should be reflected in all agencies. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Resolution Requested : I am requesting that the CFPB investigate this matter and assist in ensuring that Experian complies with the FCRA by : 1. Conducting a full investigation into my dispute.

2. Correcting or removing any inaccuracies found in my credit report.

3. Ensuring that all reporting practices align with federal regulations.

4. Removing all accounts reported inaccurately due to the violations of the FCRA. 
Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX

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