Consumer complaint received 2024-10-08 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: AR

Complaint narrative:
Upon reviewing my credit report on XX/XX/year>, I identified several discrepancies. Consequently, I sent a letter requesting a reinvestigation of the accounts listed below. These discrepancies in my credit report do not reflect my actual credit history, which I have examined closely. 


Personal Information : The reporting of my Name is incomplete. Correct the inaccurate item. I challenge this inaccurate Date of Birth. Correct the inaccurate item. This Current address is reporting in error. Please be aware, that I need the data investigated and resolved quickly. I don't recall this Employee being correct. The data should be 100 % correct and complete. 

Accounts : XXXX XXXX : XXXX : High Balance : This field needs to be verified for its reporting accuracy. Please review this thoroughly and fix it. Date of Last Activity : My credit report contains inaccurate data as not all fields are reported correctly. I am submitting a request that the information in question be resolved as soon as possible. Date Reported : It is necessary to correct the inaccurate information in the credit report for the field I am highlighting because it differs from the information on the other reports. Follow the law and make sure the incorrect information is amended. Comments : There might be a mistake in this section of my credit report because it differs from the other reports. Please check, and if not, remedy it. Payment History : I have identified an inaccurate field on my credit report. The data in this field deviates significantly from the requirement of being 100 % accurate. I request that you provide verifiable proof of the accuracy of the record. If such proof can not be provided, please proceed to fix the record immediately. 

XXXX XXXX  XXXX : XXXX : Date of Last Activity : There could be an error in the field as it doesn't match with the others. Please examine this and ensure it is accurate. Comments : Due to the way it is being reported, this field 's information is referred to as being incorrect. Send me an update after making the necessary adjustments. Payment History : I have noticed this misleading field on my credit report as it fails to report information that is 100 % accurate. The corrections for this information from my credit report should be prioritized. 

XXXX XXXX : XXXX : High Balance : It is inaccurate. After making the correction, please send me a complete report. Date of Last Activity : The way the date is reported suggests that it may contain an error. Conduct an investigation and ensure the information is resolved. Creditor Type : An inaccurate field was displayed on the credit report. Provide evidence that the incorrect field has been corrected. Comments : On the credit report, there is a field that clearly contains incorrect information. This information needs to be updated. Payment History : While it is expected that everything on the credit report should be 100 % accurate, unfortunately, this specific field does not meet that standard. I request an immediate investigation into this dispute and the prompt correction of the item to fix the credit report. 

XXXX XXXX : XXXX : Date of Last Activity : The credit report continues to inaccurately represent the error in this field. The inaccurate information should be examined and fixed. Date Reported : The field is unreliable and does not match the information from the other agencies. Please look into this and mend the item. Date Opened : The field under dispute contains information that doesn't match the other credit bureaus. Make necessary modifications. Account Status : Data inconsistency is evident within the field. I mandate that the following fields undergo verification. Comments : The credit report incorrectly lists this field as a result of improper reporting. Investigate the situation and resolve the issue right away. 

As I maneuver through the credit environment, I recognize the significance of accurate credit reporting. Although laws are put in place to guarantee equity, credit bureau data accuracy is crucial. Not only are the inconsistencies in my report bothersome, but they could potentially lower my credit score. 

Additionally, I have requested the credit bureau 's method of verification, which they have not supplied. Consequently, I suspect they are reporting inaccurate information due to their failure to disclose the furnisher 's identity. I have also received correspondence indicating that my prior letters were considered suspicious by your company, a conclusion that I find baffling.

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