Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

Dear XXXX XXXX XXXX XXXX Per 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. This relating to late reporting, inaccurate reporting data to Experian Per 16 CFR Part 660 The Furnisher Rule is a regulation that requires furnishers of information to credit reporting agencies ( CRA ) to provide accurate information and to investigate and correct any disputed information. Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Payment was made XX/XX/XXXX payment post XX/XX/XXXX in amount {$190.00} New Balance XXXX available credit {$200.00} Closing statement date XX/XX/XXXX showed my balance XXXX  you reported to Experian XX/XX/XXXX balance {$190.00} you did not report correctly I used the visa card after XX/XX/XXXX so why did you report the new balance on XX/XX/XXXX? Also, you reported credit usage 98 % inaccurate, FICO score has decreased by XXXX points as result of your unfair credit reporting, you reported the payment summary data unavailable I pay you every month. Why XXXX XXXX XXXX XXXX you are reporting Late to Experian and inaccurate information on my credit report per 16 CFR Part 602 Fair and Accurate Credit Transactions this is unfair. Errors in a report can result in denial of those benefits or higher costs. ( see attachments ) Dear Experian As Consumer reporting agencies you have assumed a vital role in assembling and evaluating consumer credit The banking system is dependent upon you for fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods it also undermine the public confidence which is essential to the continued functioning of the banking system. Per 15 USC 1681 ( a ) Accuracy and fairness of credit reporting this relating to my secured credit card XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX reported for XX/XX/XXXX shows balance in the amount {$190.00} the information is, in fact, inaccurate on my consumer report from Experian payment was made XX/XX/XXXX payment post XX/XX/XXXX in amount {$190.00} New Balance XXXX available credit {$200.00} ( see attachment A ) also according to Experian 99 % credit usage for my secured credit card rewards visa in the amount {$190.00} this inaccurate ( see attachment B ) also my credit XXXX score has decreased by XXXX points as result of your unfair credit reporting also XXXX XXXX XXXX XXXX refused to report my payments as Paid as agreed please update please see all attachment per XXXX XXXX Notice to Opt Out from XXXX XXXX XXXX XXXX was submitted in XXXX to Opt Out of credit utilization along with the disclosure of nonpublic personal information to a nonaffiliated third party so why are you reporting my balance Experian you are a nonaffiliated third party a consumer have Continuing right to opt out. A consumer may exercise the right to opt out at any time. Experian you have legal obligation under the Fair Credit Reporting Acts to report accurate information Its all about accuracy and integrity do the right thing. ( see attachments )