Consumer complaint received 2025-05-09 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: CO

Complaint narrative:
As of today XX/XX/XXXX I demand you delete and remove the following accounts from my credit report. XXXX XXXX XXXX  account # XXXX & XXXX XXXX XXXX account # XXXX. On XX/XX/XXXX I asked for a COMPLETE & THOROUGH INVESTIGATION INTO ANY & ALL INACCURACIES, INCONSISTENCIES & DISCREPANCIES which on XX/XX/XXXX you actually responded to as a RE-INVESTIGATION. Under 15 U.S.C 1681i, the credit reporting agency must, free of charge conduct a reasonable investigation to determine whether the disputed information is accurate & record the event.... This is very relevant & essential to this complaint/dispute because a RE-INVESTIGATION means you have already INVESTIGATED this dispute either twice or several times which leads me to this. YOUR INVESTIGATION & RE-INVESTIGATIONS WERE ALL INVALID, INACCURATE, & ERRONEOUS! As a credit reporting agency it is not only your duty, your obligation, your responsibility but you are REQUIRED & MANDATED BY LAW TO ONLY REPORT ACCURATE & TRUE INFORMATION, AS TO REPORTING INACCURATE INFORMATION IS DETRIMENTAL TO THE CONSUMERS FINANCIAL HEALTH & WELL BEING. The FCRA holds credit reporting agencies to the highest standards because of this potential damage. Attached is a copy of the actual credit report you provide & in this report you will see that as of XX/XX/XXXX you have been reporting INACCURACIES, DISCREPANCIES & INCONSISTENCIES regarding XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # XXXX as far back as XX/XX/XXXX. Simply put, your entire * PAYMENT SUMMARY * HAS BEEN COMPROMISED SINCE THOSE DATES because of DUPLICATE AMOUNTS of DAYS DELINQUENT, DAYS WITH CORRESPONDING MONTHS. This ERROR, This MISTAKE on your behalf has MISCALCULATED the schedule making the * PAYMENT SUMMARY * ( WHICH IS CORE OF THIS ISSUE ) INCONSISTENT & VERY INACCURATE! To have me as a late payment 30 days back to back months is CHRONOLOGICALLY IMPOSSIBLE & OFFSETS THE ACTUAL LATE PERIODS & DATES THAT FOLLOW, THEY WILL BE CALCULATED INCORRECTLY & WONT BE IN PROPER ORDER BECAUSE YOU DEFIED THE VERY * LEDGER * YOU PROVIDE! Also towards the bottom of the credit report you provide a section called " Additional Information '' which clearly implies you're giving something extra to report. Well some of this Additional Information you so proudly provide is also INACCURATE, INCONSISTENT & ERRONEOUS! AS FOR XXXX XXXX XXXX YOU REPORT A " LAST PAYMENT DATE '' OF XX/XX/XXXX BUT YOUR * PAYMENT SUMMARY * CLEARLY HAS ME PAST DUE FOR 150 DAYS AS WELL AS THE PRIOR MONTH XX/XX/XXXX. TOTALLY INACCURATE! FIRST XXXX XXXX, YOU HAVE BEEN REPORTING A " LAST PAYMENT DATE " OF XX/XX/XXXX BUT YOUR * PAYMENT SUMMARY * CLEARLY HAS ME PAST DUE FOR 60 DAYS AS WELL AS THE PRIOR MONTH XX/XX/XXXX. TOTALLY INACCURATE! Your Additional Information section has been reporting that my credit limit/highest balance for FIRST XXXX XXXX was only {$300.00} but clearly from every page you report a High Balance of {$940.00} also for XXXX XXXX XXXX your Additional Information section reports a credit limit/highest balance of {$500.00} when clearly you report {$720.00}. ALSO INACCURATE! IT APPEARS TO ME THAT AFTER INVESTIGATING & RE-INVESTIGATING YOU HAVE IRRESPONSIBLY FAILED AT YOUR DUTY OR ADOPTED & PRACTICE MANIPULATE & DECEPTIVE TACTICS WHICH APPEAR AS SOME SORT OF NUMERICAL ILLUSION TO RE-AGE THESE ACCOUNTS WHICH IS AN FCRA VIOLATION SECTION 623 ( 5 ) ( a ). MISCALCULATIONS, OFFSET NUMBERS & DUPLICATE PERIODS OF LATE PAYMENTS OR DELINQUENT TIME PERIODS etc! 

* Keynote * LEDGER & PAYMENT SUMMARY DOESN'T MATCH THE INFORMATION YOU REPORT A EXACT ( paper copy ) of this complaint/dispute has been mailed directly to this CRA today XX/XX/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