Consumer complaint received 2024-08-06
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 the inaccurate reporting of the XXXX account XXXX XXXX XXXXXXXXXXXX XXXX  on my credit reports with Experian, XXXX XXXX and XXXX. The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request a thorough investigation into these issues. 

Inaccuracies Identified XXXX. High Credit : Experian and XXXX : {$7000.00} XXXX : {$6700.00} XXXX Credit XXXX XXXX Experian and XXXX XXXX {$6700.00} XXXX XXXX {$0.00} XXXX. Last Reported 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 and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Late Payment Status : Experian : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). Was 150 Days Late XXXX Time ( XXXX ). 
XXXX : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). 
XXXX : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). 

The discrepancies in high credit, credit limit, date last active, and late payment status among the credit bureaus indicate significant inaccuracies.

Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties. 

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

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing 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 : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.