Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Request for Deletion of Inaccurate Charge-Off Account Dear Sir/Madam, I am writing to formally dispute the reporting of a charge-off account from XXXX XXXX on my credit report due to multiple inconsistencies in the information reported by Experian and XXXX. These discrepancies constitute inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., and therefore warrant the deletion of this tradeline. 

# # # Account Details - **Creditor : ** XXXX XXXX - **Account Number : ** XXXX - **Date of First Delinquency : ** XX/XX/XXXX # # # Identified Discrepancies # # # # XXXX. Different Removal Dates : - **Experian : ** Reports the charge-off as remaining on record until XX/XX/XXXX. 
- **XXXX : ** XXXX the charge-off as remaining on record until XX/XX/XXXX. 

# # # # XXXX. Inconsistent First Reported Dates : - **Experian : ** First reported date is XX/XX/XXXX. 
- XXXX XXXX XXXX First reported date is XX/XX/XXXX. 

# # # # XXXX. Payment History and Status Inconsistencies : - **Experian Payment History : ** - XXXX XXXX - XX/XX/XXXX : ** Reflects OK status. 
- XXXX XXXX - XX/XX/XXXX : ** Reflects OK status until XX/XX/XXXX, when the account goes to CO ( XXXX ). 
- XXXX - XXXX : ** Continues to show CO status every month. 

- XXXX  Payment History : ** - XXXX XXXX - XX/XX/XXXX : ** Reflects OK status. 
- XXXX XXXX - XX/XX/XXXX : ** Reflects OK status until XX/XX/XXXX, when the account goes to CO ( XXXX ). 
- XXXX - XXXX : ** Shows varying statuses with some months missing data or reflecting different statuses such as 30, 60, 90 days late inconsistently. 

# # # Specific Month Discrepancies : - **XXXX XXXX : ** - **Experian : ** OK - **XXXX : ** 30 days late - XXXX XXXX : ** - **Experian : ** OK - *XXXX  : ** 60 days late - **XXXX XXXXXXXX : ** - **Experian : ** OK - **XXXX : ** 90 days late - XXXX XXXX : ** - **Experian : ** OK - **XXXX  : ** CO ( Charge-Off ) - XXXX XXXX : ** - **Experian : ** CO ( Charge-Off ) - **TransUnion : ** CO ( Charge-Off ) These discrepancies are not minor and suggest systemic errors in the reporting of this account. Under the FCRA, the accuracy and completeness of the information on consumer reports are essential. Given these errors and inconsistencies, the reporting of this account is not in compliance with federal law. 

# # # Request for Deletion Due to these significant discrepancies and the resulting inaccurate reporting, I request that you delete the XXXX XXXX charge-off account from my credit report immediately. This action is necessary to ensure that my credit report is accurate and fair as required by the FCRA. 

Please investigate this matter thoroughly and confirm the deletion of this tradeline in writing once it has been completed. I have enclosed copies of my credit reports from both Experian and XXXX highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX # # # Attachments- Copy of Experian credit report highlighting the discrepancy - Copy of XXXX credit report highlighting the discrepancy - Screenshots of payment history and status inconsistencies