Consumer complaint received 2025-01-14 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: WA

Complaint narrative:
XXXX would like to mention this applies to both XXXX and XXXX XXXX I have followed the same steps and procedures for these other XXXX agencies as I have Experian and I would like these items to be investigated and deleted with them as well. ** Since XX/XX/XXXX i have been trying to dispute the incorrect information on my consumer report, since a few accounts have come off but there are XXXX that have yet to come off. 

XXXX XXXX XXXX XXXX : I sent out XX/XX/XXXX in which i described the inaccuracy of the information on my credit report. As of XX/XX/XXXX [ and still today XX/XX/XXXX ] the account was updated to reflect a charged off status and no data for the month of XXXX when it previously had already been reported as verified as accurate that the report on the XXXX was an accurate reflection of the information of me provide by the furnishers of information which it is not! Now the past due amount says it is {$26000.00} when it was just marked as closed with an amount of {$2400.00}. The time lines aren't matching up, if there wasn't any data for XXXX how would XXXX be 60 days late, it would either be 30 days and XXXX marked as paid or 90 days with XXXX marked as late XXXX XXXX XXXX XXXX : Experian is reporting a {$150.00} past due amount, closed in XXXX with a last payment in XXXX, showing XXXX and XXXX as payed but 30 days late beginning in XXXX. Also the reported date for the missed payment is XX/XX/XXXX but shows in the payment history that XX/XX/XXXX was the first 30 day late notice. 

XXXX XXXX XXXXXXXX XXXX : The last reported payment was dated as XX/XX/XXXX but the payment history shows that the month of XXXX is marked as a missed payment and the months of XXXX and XXXX being on time and then again having XXXX marked as 30 days late. Please not there is also a XXXXXXXX XXXX XXXX XXXXXXXX that lists unknown information that has nothing on there as well. 

If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section XXXX ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. The FCRA describes negative information as : ( G ) Definitions. For purposes of this paragraph, the following definitions shall apply : ( i ) The term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default.

At no time did I receive any written notice for any negative information.

Secondly the FCRA requires under section ( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

I have called, sent multiple letters, both regular mail and certified mail with receipt of signature, they have not done anything to make the situation better. Experian has not had any correspondence with me whatsoever throughout the past 4 months regarding the status of these disputes or updates as to whats going on. 


I will include the my credit report generated from Experian XX/XX/XXXX and XX/XX/XXXX you can see they already had inaccurate information but updated it with more incorrect information and also the letter that i sent to them certified mail. I sent this letter both yesterday XX/XX/XXXX and XX/XX/XXXX and it has been received as confirmed by certified mail signature and the registered agent I spoke with over the phone who confirmed by letter was scanned into the system.

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