Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Information on Credit Report - Account # : XXXX To Whom It May Concern, I am writing to dispute several inaccuracies and inconsistencies that I have identified on my Experian credit report regarding the account referenced above. I am requesting an investigation and correction of these errors under my rights provided by the Fair Credit Reporting Act ( FCRA ). Below is a summary of the specific issues that need to be addressed : 1. Date Opened Discrepancy Reported by Experian : XX/XX/year> Reported by XXXX : XX/XX/year> The difference in the account opening date across these credit bureaus suggests a potential reporting error. 
FCRA Citation : As per [ FCRA Section 609 ( 15 U.S.C. 1681g ) ], I request that you verify the accuracy of the account opening date and correct any errors found during your investigation.

2. High Credit Discrepancy Reported by Experian : {$0.00} Reported by XXXX : {$1800.00} The high credit amount for this account is inaccurately listed as {$0.00} by Experian, while XXXX reports it as {$1800.00}. This inconsistency is significant and needs correction. 
FCRA Citation: Under [ FCRA Section 623 ( 15 U.S.C. 1681s-2 ) ], data furnishers are required to provide accurate information to credit reporting agencies. Please investigate and correct this discrepancy.

3. Balance and Past Due Accuracy While the balance and past due amounts are reported as {$1800.00} by both XXXX and Experian, I would like an explanation for how the balance has exceeded the credit limit of {$1300.00}. This raises concerns regarding the accuracy of the reported information. 
FCRA Citation : According to [ FCRA Section 611 ( 15 U.S.C. 1681i ) ], I have the right to dispute inaccurate or unverifiable information. Please provide details of this discrepancy or correct the account data.

4. High Credit and Credit Limit Relationship Experian lists the high credit as {$0.00}, while the credit limit is stated as {$1300.00}. If this account was charged off, the high credit and credit limit should reflect actual amounts based on usage.

FCRA Citation: Under [ FCRA Section 609 ( 15 U.S.C. 1681g ) ], I request that you correct this to ensure that the high credit and credit limit accurately reflect the accounts history.

5. Payment Status The payment status is listed as Collection/Chargeoff for this account, but I would like to confirm that the account is accurately reporting its current status. If this debt has been resolved, sold, or transferred, the status should be updated accordingly.

FCRA Citation: Under [ FCRA Section 605B ( 15 U.S.C. 1681c ) ], any unverifiable or incorrect information must be removed or updated.

6. Reporting Consistency Across Bureaus I also want to bring to your attention the general inconsistencies in how this account is reported between Experian and the other credit bureaus. Please ensure that all information is consistent and accurate across all credit reporting agencies.

I respectfully request that Experian conduct a full investigation and make the necessary corrections or deletions to ensure the accuracy of my credit report. Please provide me with the results of your investigation within 30 days, as required by the FCRA.

Thank you for your prompt attention to this matter.