Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Dispute Department po box XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Charge-Off Reporting Dear Experian Dispute Department, I am writing to formally dispute inaccurate information reported on my credit report. The disputed item is a charge-off related to account XXXX XXXX XXXX XXXX XXXX  XXXX This account is inaccurately reported and is not in compliance with the Metro 2 format guidelines as required by the XXXX XXXX XXXX XXXX ( XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information. This requirement is reinforced by Metro 2 compliance standards, which mandate the accurate reporting of charge-offs, including the correct status, dates, and balance information. I believe the following information is inaccurately reported : Account Status : The account status is incorrect and does not reflect the current situation. 
Dates : The dates of delinquency and charge-off are inaccurately reported. 
Balance : The reported balance is incorrect and does not match the actual balance at the time of charge-off. 
I would like to bring to your attention the following court cases where Experian was found to have inaccurately reported information : [ XXXX XXXX XXXX XXXX, XXXX ] : While primarily involving XXXX, this case highlighted the broader issue of inaccurate credit reporting and the responsibilities of credit reporting agencies under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experian was involved in this case where it was found liable for not following reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual. 
[ XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX ] : This case specifically involved Experian 's failure to accurately report a consumer 's information, resulting in a judgment against Experian. 
These cases underscore the importance of accurate reporting and the potential consequences of failing to adhere to FCRA requirements. 

I request that you : Reinvestigate the accuracy of the information you have reported. 
Correct any inaccuracies found during the investigation. 
Provide me with a written statement detailing the actions taken and the results of your investigation. 
Please provide a copy of my updated credit report once the corrections have been made. If the inaccurate information can not be verified, it must be promptly deleted from my credit report. 

I have enclosed copies of my credit report highlighting the disputed information, as well as any relevant documentation to support my dispute. Please conduct a thorough review and respond to my request within the 30-day period mandated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report with Disputed Information Highlighted Supporting Documentation