Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX **Date : XXXX **Experian Credit Reporting Agency** XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX **Subject** XXXX URGENT Dispute of Inaccurate Information Request for Immediate Deletion of Fraudulent Account **Account Number** : XXXX **Creditor** : XXXX XXXX XXXX  Dear Experian Dispute Department, I am writing to formally dispute the inaccurate and outdated information being reported on my credit file regarding the Kikoff Lending LLC account listed above. This account was reported as charged off, with a past-due balance, and this information is not only inaccurate but also legally noncompliant under federal law. I request an immediate deletion of this tradeline, and I will outline specific legal violations, factual inaccuracies, and corrections that must be made. 

# # # Errors and Violations of Federal Law : 1. **Inaccurate Reporting of Charge-Off Status** : The report shows this account as **charged off with a {$320.00} write-off**. However, this information is outdated and incorrect. The charge-off status reflects outdated balances, which fails to meet the legal requirements of accurate reporting. 

- **Violation** : Under **FCRA Section 1681e ( b ) **, credit reporting agencies are required to ensure that the information in consumer reports is accurate and up to date. By continuing to report an inaccurate balance and charge-off status, Experian is violating this provision. The {$320.00} charge-off inaccurately represents the actual status of the account, further damaging my credit history. 

2. **Incorrect Payment History & Balance Reporting** : The payment history reflects **multiple delinquent payments, including XXXX, XXXX, XXXX, XXXX, and XXXX  days past due**. This is a misrepresentation of my payment history and does not match my records. Moreover, the balance and status updates do not align with the payments made, as demonstrated by the " Recent Payment '' section. 

- **Violation** : Under **FCRA Section 1681s-2 ( b ) **, furnishers of credit information ( in this case, XXXX XXXX XXXX ) must report accurate and complete data. The continued reporting of these incorrect delinquencies violates this statute. Credit reporting agencies must remove inaccurate information promptly after a dispute, which has not occurred despite my previous attempts to correct these errors. 

3. **Failure to Update Account Status** : The account status indicates ** {$320.00} past due as of XXXX XXXX, yet I made recent payments in XXXX that were not reflected. Additionally, the report mentions that the account was **unchanged after a XX/XX/XXXX reinvestigation**. This reinvestigation did not properly address the inaccuracies I previously highlighted, which is a violation of your legal obligations under the FCRA. 

- **Violation** : **FCRA Section 1681i ( a ) ( 1 ) ** requires that credit reporting agencies conduct a reasonable reinvestigation of disputed information and make corrections within 30 days. By failing to correct the inaccuracies despite my previous dispute, Experian has failed to meet this legal requirement. 

# # # Metro 2 & XXXX XXXX XXXX : I am formally requesting that the **Metro XXXX format** codes be applied to this account to ensure immediate deletion, as the account is inaccurately reported and legally noncompliant. The following Metro 2 format codes should be used to update your system correctly : - **Compliance Condition Code XXXX XXXX ( Confirmed Identity Theft/Fraud or Dispute Resolved ) - **Account Status : XXXX ( Delete from Credit Report ) - **Special Comment Code : XXXX  ( Delete Due to Dispute ) XXXX XXXX XXXX XXXX XXXX ( Delete Consumer Dispute Resolved ) These Metro 2 format codes ensure that your system processes this dispute as an immediate deletion, correcting the current inaccuracies on my report. 

# # # Next Steps : I request that you immediately delete this account from my credit report, as required under the **Fair Credit Reporting Act ( FCRA ) **. Enclosed is documentation supporting my dispute and evidence that the current reporting violates federal law. Failure to comply within 30 days may result in further action, including complaints filed with the **Consumer Financial Protection Bureau ( CFPB ) ** and potential legal recourse. 

If this matter is not resolved promptly, I will have no choice but to escalate the situation, potentially pursuing damages for failure to comply with FCRA regulations, which can include actual damages, statutory damages of up to {$1000.00} per violation, and attorney 's fees. 

Thank you for your immediate attention to this matter. Please notify me in writing once the requested corrections have been made. 

Sincerely, -- - # # # Key Points for XXXX XXXX : - **Compliance Condition Code ( XA ) ** ensures the account is marked as disputed or fraudulently opened. 
- **Account Status ( 97 ) ** directly informs the system to delete the account from the credit report. 
- **Special Comment Code ( DA ) ** instructs the system that this deletion is due to a consumer dispute. 
- **ECOA Code ( Z ) ** signals that the dispute has been resolved and that the account should be deleted.