Consumer complaint received 2025-03-18 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:
Dear CFPB Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Original Balance : {$13000.00} I am requesting that you and the furnishers do a full and thorough investigation of the following accounts that I am disputing. Please send a copy of this letter to each furnisher and I want each of you ( and each furnisher ) to do a proper investigation as required by the law. 

To be clear, i am not asking you to ignore my letter. Or to send me silly form letters back refusing to investigate or silly form telling me I can ask for a description of how the investigation was conducted. Instead, I'm asking you to take this very seriously as I take the accuracy of my credit reports very seriously. It is vital that I have accurate and complete credit reports. 

On my reports there is contradictory, incomplete and incorrect information. I don't know if this is because the furnishers, who are unreliable sources of information, are giving you false information. Or whether you are doing a poor job of reporting the data. Either way, now is your chance to do the right thing and it is now the opportunity for the furnishers to do the right thing. 

For each account I list, make the information 100 % complete and accurate or delete the entire account. 

I will identify the account and specifically what I believe is wrong and then address the missing or incorrect information. I appreciate you properly investigating the 8 items I identified below. Please correct all errors on the account or delete the account completely.

Errores : 1-The reported open date is inconsistent. Please correct or delete the entire account.

XXXX XXXX XXXX reporting : XX/XX/XXXXXXXX  -Experian is reporting : XX/XX/XXXX XXXX is reporting XXXX XXXX deleted this account. 

Why do you report on XX/XX/XXXX in XXXX and in Experian you don't report any day in XXXX?, Please fix this or delete the entire account. 


2-The reported close date is inconsistent. Please correct or delete the entire account. 

XXXX XXXX XXXX reporting : XX/XX/XXXX -Experian is reporting : XX/XX/XXXX XXXX is reporting XXXX XXXX deleted this account. 

According to Experian 's payment history, this account was closed in XX/XX/XXXX, but XXXX reports that it was closed in XX/XX/XXXX. Which one is correct?, Please fix this or delete the entire account. 


3-The reported Payment History is inconsistent.Please correct or delete the entire account. 

XXXX XXXX is reporting : 30 days late XXXX and XX/XX/XXXX XXXXExperian is reporting : 30 days late for XXXX and XX/XX/XXXX XXXX is reporting XXXX XXXX deleted this account. 

According to Experian, there are 30 days late for the months of XXXX and XX/XX/XXXX, but XXXX reports a timely payment for the month of XXXX and reports 30 days late for the months of XXXX and XXXX. Which is correct? Why are there different months reporting 30 days late? Please fix this or delete the entire account. 


4-The reported Balance History is missing, Please correct or delete the entire account. 

XXXX XXXX XXXX reporting : is missing -Experian is reporting : Is Missing XXXX is reporting XXXX XXXX deleted this account. 

XXXX deleted and removed the Balance History from Experian and XXXX. Why have they removed that information about the monthly balance, the scheduled payment month by month or how much I paid month by month from XX/XX/XXXX to XX/XX/XXXX?, Why was the balance history deleted in the Experian and XXXX report? Please provide the Balance History or delete the entire account. 

5-The reported Original Amount is inconsistent.Please correct or delete the entire account. 

XXXX XXXX XXXX reporting : this data is missing -Experian is reporting : {$13000.00} -XXXX is reporting XXXX XXXX deleted this account. 

According to Experian the original amount was {$13000.00}, but XXXX does not report the original amount. Please fix this or delete the entire account. 


6-The reported Balance Updated is inconsistent.Please correct or delete the entire account. 

XXXX XXXX XXXX reporting : XX/XX/XXXX -Experian is reporting : Is Missing -XXXX is reporting XXXX XXXX deleted this account. 

Please fix this or delete the entire account. 


7-The reported Payment History is inconsistent in the month of XX/XX/XXXX, Please correct or delete the entire account. 

XXXX XXXX XXXX reporting in XX/XX/XXXX : Paid, Closed XXXX is reporting : ND ( no data ) -XXXX  is reporting XXXX XXXX deleted this account. 

Why is there no data for the month of XXXX in Experian but in XXXX you report it as paid and closed? Please fix this or delete the entire account. 


XXXX XXXX XXXX XXXX Experian and XXXX that the last payment was {$14000.00} made on XX/XX/XXXX, it doesn't make sense, the original loan was {$13000.00}, how can I pay more than the original loan? Even after having made monthly payments during XX/XX/XXXX until XX/XX/XXXX, it is an error that I have tried to resolve on several occasions and XXXX is not able to correct it, fix this or delete the entire account. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX D.O.B : XX/XX/XXXXXXXX 
XXXX is : 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