Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MD)

I am writing to formally dispute the accuracy of information reported on my credit file by Experian, which is in violation of the Fair Credit Reporting Act ( FCRA ), and the precedent established in the case XXXX vs. Experian Information Solutions , Inc.

The account details in question are as follows : Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$2200.00} Balance Updated : XX/XX/XXXX Credit Limit : {$2000.00} Highest Balance : {$2200.00} On Record Until : XX/XX/XXXX The discrepancies and errors in the report, compounded by the fact that the address associated with this account is not mine and despite my previous disputes, Experian has failed to verify the information, are as follows : 1. **Incorrect Address** : The address associated with the account does not belong to me, indicating a serious error in reporting personal information.

2. **Inconsistent Reporting of Balance** : The reported balance of {$2200.00} conflicts with the highest balance reported as {$2200.00}. This discrepancy nee
ds clarification and correction under FCRA Section 611.

3. **Incorrect Payment History** : The payment history indicates both past due days ( 30, 60, 90, 120, 150 ) and a " CO '' ( Charge Off ) status for the same months, which is inconsistent and violates FCRA guidelines for accurate reporting.

4. **Failure to Verify Information** : Despite multiple previous disputes, Experian has failed to verify the accuracy of the reported information, which is a clear violation of FCRA Section 611 and the case law established in XXXX vs. Experian Information Solutions , Inc .

5. **Unclear Status Updates** : The status was updated in XX/XX/XXXX, but the balance was updated in XX/XX/XXXX. This discrepancy raises concerns about the accuracy of current reporting and compliance with FCRA guidelines. 

I request Experian to conduct a thorough investigation into these discrepancies, correct the inaccurate information promptly, and provide me with a written confirmation of the corrections made. Additionally, I request the removal of the incorrect address associated with this account. 

Failure to rectify these errors and verify the accuracy of the reported information will leave me no choice but to pursue legal action, seeking damages and remedies available under the FCRA. 

Enclosed are copies of relevant documents supporting my dispute, including copies of the credit report highlighting the inaccuracies, previous correspondence regarding this matter, and proof of my attempts to dispute and verify the information. 

Please treat this matter with urgency and provide a written response within 30 days outlining the actions Experian will take to rectify these errors, remove the incorrect address, and verify the accuracy of the reported information. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX