Consumer complaint received 2024-03-09 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: VA

Complaint narrative:
This dispute concerns several accounts with false information, specifically discrepancies in the " Date of Last Activity '' and " Closed Dates '' on closed and charged-off accounts, AS WELL AS reporting late payments on " Charged off '' accounts. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681s-2. The conflicting dates and transaction history shows that FALSE information was KNOWINGLY given to XXXX, Experian, and XXXX and should be removed immediately. 

FCRA 15 USC 1681s-2 a ( 1 ) ( A ), consumer reporting agencies, ( including XXXX, Experian, and XXXX ) have a duty to report accurate information. It has come to my attention that this duty has not been fulfilled.

Furthermore, FCRA 15 USC 1681s-2 a ( 1 ) ( B ) states that once a consumer disputes the accuracy of information, the consumer reporting agency has an obligation to investigate and correct any errors. Despite my repeated attempts to dispute and correct the inaccurate information on my consumer report, your agency has failed to take the necessary steps to rectify these errors.

FCRA 15 USC 1681s-2 a ( 2 ), which emphasizes the duty of consumer reporting agencies to correct and update information promptly. In this regard, your agency is in direct violation of this provision by persistently failing to correct the false information on my consumer report.

These ongoing violations have caused me significant distress and anxiety, adversely affecting my ability to obtain credit, housing, and a better quality of living for my family and me. 



" Date of Last Activity '' and " Closed '' dates are incorrect XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrged off account reporting late payments XXXX XXXX XXXX  XXXX Deleted Deleted XX/XX/XXXX XXXX Closed Deleted Deleted XX/XX/XXXX Accounts deleted by XXXX and Experian, charge off reported with late payment XXXX XXXX XXXX XXXX Deleted Deleted XX/XX/XXXX XXXX Closed Deleted Deleted XX/XX/XXXX Accounts deleted by XXXX and Experian, charge off reported with late payment XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$13000.00} Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$2500.00} Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Deleted XX/XX/XXXX XXXX Closed XX/XX/XXXX Deleted XX/XX/XXXX Deleted from Experian XXXX XXXX XXXX DOL XX/XX/XXXX XX/XX/XXXX Deleted XXXX Closed XX/XX/XXXX XX/XX/XXXX Deleted Previously disputed and deleted account, but XXXX and Experian re-entered under different name with false dates reporting XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Charged off account reporting late payments on Experian report XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Closed XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Charged off account reporting late payments

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