Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account # XXXX XXXX XXXX XXXX  ( Metro 2 Format Dispute ) Complaint Reference : # XXXX Dear Experian, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) using the Metro 2 format for the account listed below, which contains inaccurate information. I request immediate investigation and correction of the following reported data regarding my XXXX XXXX XXXX account : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Card ( Compliance Condition Code XXXX  Charge-off ) Open Date : XX/XX/XXXX Current Balance : {$320.00} Credit Limit : {$2500.00} Date of First Delinquency : XX/XX/XXXX Date of Charge-off : XX/XX/XXXX Current Status : Charge-off with {$120.00} past due Compliance Condition Codes for Dispute ( Metro 2 ) : 1 . Compliance Condition Code 88 ( Account Disputed by Consumer ) : This account contains incorrect balance and payment history information. The reported charge-off status and past due amount of {$120.00} are inaccurate. I request an immediate investigation of these discrepancies. 
2. Compliance Condition Code 24 ( Account Paid in Full/Was a Charge-off ) : The reported balance and charge-off status do not accurately reflect payments or settlement. I request verification of the complete payment history and balance recalculations to ensure accuracy. 
3. Compliance Condition Code 19 ( Verify All Account Details ) : I request validation of all account details, including the signed contract, original account agreement, and payment history documentation to ensure the accuracy of the balance and past due amounts. 
4. Compliance Condition Code AW ( Dispute Investigation Information ) : The previous investigation completed in XX/XX/XXXX resulted in no changes to the account. I request a reinvestigation as the initial findings were incomplete. This account continues to show errors in its status, balance, and associated dates of delinquency. 

Data Furnisher Responsibility ( FCRA Section 623 ) : Under FCRA Section 623, XXXX XXXX XXXX, as the data furnisher, must report accurate information. They have reported the following errors : Balance : The reported balance of {$320.00} and past due amount of {$120.00} are inaccurate. I request an update or deletion of these amounts if they can not be validated. 
Status : The charge-off status is incorrectly reported, and the dates of delinquency do not match my records. Proper validation is necessary. 
Payment History : The payment history leading up to the charge-off is incomplete, and there are no details regarding how the balance accrued to {$320.00}. 

Request for Validation and Documentation Under FCRA Section 609 : Additionally, under FCRA Section 609, I request that you provide the following documentation to validate the legitimacy of this debt : 1. Original Signed Contract or Agreement : Please provide the original signed contract or agreement associated with this account. 
2. Payment History : A complete payment history for this account, detailing all charges, payments, fees, and interest applied. 
3. Adjustments Documentation : Any evidence of adjustments made to the account balance, including fees, interest rates, or penalties. 
4. Proof of Address Accuracy : Documentation verifying that the address associated with this account is correct and legitimately linked to me. 

Legal Arguments Supporting My Dispute : 1. Lack of Proper Documentation : Without the requested documentation, the validity of this debt remains unsubstantiated, violating my rights under the FCRA. 
2. Inaccuracy of Reporting : The incorrect address and conflicting balance reports suggest potential inaccuracies in reporting, necessitating a thorough investigation. 
3. Statute of Limitations : Given that the account was opened on XX/XX/XXXX, I request verification that all reporting complies with the applicable statute of limitations for debt collection in my state. Failure to do so may render the debt unenforceable and subject to removal from my credit report. 
4. Negative Impact on Creditworthiness : The inaccurate reporting of this account as 120 days past due significantly harms my creditworthiness, potentially leading to higher interest rates, increased insurance premiums, and denial of credit applications. 

Request for Immediate Action : In light of the above, I respectfully request that Experian : 1. Investigate : Conduct a thorough investigation into the accuracy of the reported information. 
2. Provide Documentation : Supply the requested documentation to validate the legitimacy and accuracy of the debt. 
3. Correct or Remove : If you are unable to verify the accuracy of the information within the legally mandated timeframe, I request that this account be corrected or removed from my credit report entirely. 

Dispute Summary ( Metro 2 Fields ) : Compliance Condition Code : 88 ( Account in Dispute by Consumer ) ECOA Code : 1 ( Individual Account Responsibility ) Consumer Information Indicator ( CII ) : XH ( Account disputed by consumer ) Special Comment : XB ( Account information disputed by consumer ) Conclusion : Please complete your investigation and respond to me in writing with the results, including any documentation supporting your findings. If the information can not be verified as accurate, I demand that this account be removed from my credit report in accordance with the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a thorough investigation and appropriate corrective actions. 

Sincerely, XXXX XXXX XXXX XXXX : Identity Theft Report Police Report Credit Report CFPBs Notice to Furnishers of Information