Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account Name : XXXX Account number : XXXX XXXX. High Balance Discrepancy : o XXXX reports a high balance of {$2000.00}. 
o Experian reports a high balance of {$0.00}. 
o XXXX reports a high balance of {$1900.00}. 
XXXX. Last Verified Date : o XXXX : XX/XX/XXXX. 
o Experian : Not reported. 
o XXXX : Not reported. 
XXXX. Date of Last Activity : o XXXX : XX/XX/XXXX. 
o Experian : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
XXXX. Date Reported : o XXXX : XX/XX/XXXX. 
o Experian : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
XXXX Credit XXXX XXXX o XXXX : {$2500.00}. 
o Experian : {$2500.00}. 
o XXXX : {$0.00}. 
XXXX. Account Description : o XXXX  : Profit and loss write-off. 
o Experian : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Charged off account. 
XXXX. Payment Status Discrepancies : o XXXX : Charged off as bad debt. 
o Experian : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Charged off account. 
XXXX. Days Late - 7 Year History : o XXXX : No late payments reported. 
o Experian : 30 days late once, 60 days late once. 
o XXXX : 30 days late once, 60 days late once, 90 days late seven times.

Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from XXXX, Experian, and XXXX highlighting the inaccuracies. 
Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX