Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I am writing to formally dispute significant discrepancies in the reporting of my XXXX account ( # XXXX ) across all three major credit bureaus : Experian, XXXX, and XXXX. The inconsistencies in the reported information have led to a negative impact on my credit profile, including an unjustified 30-day late payment. These inaccuracies not only misrepresent my financial behavior but also violate several provisions of the Fair Credit Reporting Act ( FCRA ). I request the immediate removal of this account from my credit reports and compensation for the potential damages caused by these reporting errors. Below, I outline the specific discrepancies and the relevant FCRA provisions that support my claim. 

Discrepancies Identified XXXX. Date Opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Balance : Experian : {$79.00} XXXX : {$55.00} XXXX : {$55.00} XXXX. Last Report Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Issues and Impact The discrepancies listed above are not minor clerical errors but significant inaccuracies that reflect a lack of diligence in the reporting process. The differences in the Date Opened, Balance, Last Report Date, Date Last Active, and Date of Last Payment create an unclear and misleading picture of my creditworthiness. Moreover, these discrepancies have resulted in a reported 30-day late payment, which I firmly believe is due to these reporting errors. This incorrect late payment has unfairly damaged my credit score and financial reputation.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The evident discrepancies in the reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Upon notification of a dispute, consumer reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If the reinvestigation finds the disputed information to be inaccurate or can not be verified, the consumer reporting agency must promptly delete or modify the item of information.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Furnishers must not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Upon receiving notice of a dispute, furnishers must conduct an investigation, review all relevant information, and report the results to the consumer reporting agencies.