Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am submitting a formal complaint to redispute the inaccurate and inconsistent reporting of an account related to XXXX XXXX XXXX Account XXXX across different credit bureaus. Specifically, under 15 U.S.C. 1681e ( b ), I have identified several discrepancies. After thoroughly reviewing my credit reports, the following issues have come to light : Account Name : The account name is different on each report.

Original Creditor : The original creditor is different on multiple reports.

Reporting History : The payment history associated with this account varies between the credit bureaus.

Inconsistent Account Information : The account details differ significantly across the credit bureaus.

Account Type and Remarks : The account type and remarks provided in the reports are inconsistent, and the account status differs in each report.

Last Date of Activity : The last date of activity reported for this account varies between the credit bureaus, with differing remarks across the reports. 
Collector 's Information : The collector 's name, contact information, phone number, and address are different across the reports. 
These inconsistencies suggest improper updates that are misleading and harmful to my credit report. Despite these issues, the account was allegedly updated as accurate according to Report XXXX XXXX, Date Issued : XX/XX/XXXX. 

In this dispute, I assert that XXXX XXXX XXXX Account XXXX was a collection account in XX/XX/XXXX. However, the account has been repeatedly updated as " XXXX '' every month through XX/XX/XXXX. This continuous update inaccurately reflects the account 's history. A collection account should not have an active payment history after the charge-off. By improperly updating the payment history, the statute of limitations is being manipulated, which is misleading and harmful to my credit report. 

Additionally, I believe that the failure to properly investigate this account has resulted in the continued reporting of incorrect information. This neglect violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. 

Given these ongoing issues and the failure to correct them, I am formally requesting that XXXX XXXX XXXX Account XXXX be deleted from my credit report immediately. This neglect violates my rights under the FCRA, and I expect prompt corrective action. 

I have included copies of my credit reports, highlighting the inconsistent reporting across multiple credit bureaus, as well as a copy of the dispute results from Report XXXX XXXX, Date Issued : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX. XXXX If this issue is not resolved, I will exercise my rights under 15 U.S.C. 1681n, which pertains to civil liability for willful noncompliance under the FCRA. Key provisions include : Willful Noncompliance : Any person who willfully fails to comply with FCRA requirements is liable to the consumer.

Damages : Consumers may recover actual damages or statutory damages ( from {$100.00} to {$1000.00} ), as well as punitive damages and attorney 's fees. 
Filing with Relevant Agencies In addition to this complaint, I will file claims with the Attorney General, the XXXX XXXX XXXX ( XXXX  ), and any other relevant agencies, as I believe this situation indicates broader systemic issues, particularly regarding the rights of people of XXXX and minorities in credit reporting.