Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccuracies in Credit Report Account Reference : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I trust this letter finds you in good health, although the same can not be said for the integrity of the information within my credit reports, as evident by the alarming inaccuracies I have uncovered. 
Upon scrutinizing my credit reports sourced from your agency, it has come to my attention that there exist numerous discrepancies across multiple accounts. These discrepancies, if left unaddressed, not only jeopardize the accuracy of my creditworthiness but also undermine the very foundation of trust upon which the credit reporting system stands. 
In light of these discrepancies, I am formally disputing the inaccuracies and demanding immediate action to rectify the situation. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S. Code 1681 ( a ) ( 1 ), 15 U.S. Code 1681 ( a ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 3 ), 15 U.S. Code 1681 ( a ) ( 4 ), 15 U.S. Code 1681 ( a ) ( d ) ( 2 ) ( A ), and 15 U.S. Code 1681 ( a ) ( d ) ( 2 ) ( A ) ( iii ) to ensure that my rights are protected and upheld.

Here are the details of the discrepancies identified for each account : XXXX The inaccuracies in the reported information across the three credit bureaus are as follows : 1. Date of Last Activity : XXXX reports the date of last activity as XX/XX/XXXX, while Experian reports it as XX/XX/XXXX, and XXXX reports it as XX/XX/XXXX. These discrepancies indicate inconsistencies in the reporting of this crucial detail. 
XXXX. Balance Owed : XXXX reports a balance owed of {$290.00}, while Experian reports it as {$0.00}, and XXXX reports it as {$290.00}. These discrepancies raise concerns about the accuracy of the reported data. 
XXXX. Account Rating : XXXX reports the account as " Derogatory, '' while Experian and XXXX both report it as " Closed. '' This inconsistency requires clarification for accuracy. 
XXXX. Creditor Remarks : Experian reports " Unpaid balance reported as a loss by the credit grantor, '' while XXXX reports " Charged off as bad debt, '' and XXXX reports " Charged off account. '' These conflicting remarks require clarification for accuracy. 
XXXX. Payment History : Experian reports a payment amount of {$0.00}, while XXXX and XXXX do not provide this information. This inconsistency in reporting further underscores the need for a thorough investigation into the accuracy of the reported information. 
XXXX The inaccuracies in the reported information across the three credit bureaus are as follows : XXXX. Last Verified Date : Experian reports no last verified date, while XXXX and XXXX do not provide any information on this aspect. The absence of this crucial detail raises concerns about the accuracy and verification process of the reported data. 
XXXX. Date Reported : Experian reports the date reported as XX/XX/XXXX, while XXXX and XXXX do not provide any information on this aspect. The inconsistency in reporting this date requires clarification for accuracy. 
XXXX. Balance Owed : Experian reports a balance owed of {$67.00}, while XXXX reports it as {$95.00}. XXXX does not provide any information on this aspect. These discrepancies in the reported balance raise concerns about the accuracy of the reported data. 
XXXX. Account Status : XXXX reports the account as " Open, '' while Experian reports it as " Open. '' XXXX does not provide any information on this aspect. The inconsistency in reporting this status requires clarification for accuracy. 
XXXX. Payment Status : Experian reports the payment status as " Current, '' while XXXX reports it as " Current. '' XXXX does not provide any information on this aspect. The inconsistency in reporting this status requires clarification for accuracy. 
XXXX. Payment Amount : Experian reports the last payment amount as {$11.00}, while XXXX and XXXX do not provide any information on this aspect. The inconsistency in reporting this detail requires clarification for accuracy. 
XXXX. Payment Frequency : Experian reports the payment frequency as " Monthly ( every month ), '' while XXXX and XXXX do not provide any information on this aspect. The inconsistency in reporting this detail requires clarification for accuracy. 
XXXX XXXX. Balance Owed : Experian reports a balance owed of {$260.00}, whereas XXXX lists a balance of {$0.00}. This discrepancy raises concerns about the accuracy of the reported data and requires verification. 
XXXX. Date Opened : Experian lists the date opened as XX/XX/XXXX, while XXXX reports the date opened as XX/XX/XXXX. These differing dates indicate inconsistencies in reporting and require clarification. 
XXXX. Account Description : Experian reports the account as " Credit Card - Dept. Store, '' whereas XXXX lists the account as " Open. '' This discrepancy requires clarification for accuracy. 
XXXX. Creditor Remarks : Experian reports various remarks including " Account was in dispute- now resolved - reported by subscriber '' and " Unpaid balance reported as a loss by the credit grantor. '' These conflicting remarks require clarification for accuracy. 
XXXX. Payment History : Experian provides a payment history indicating a combination of on-time payments and delinquencies, while XXXX does not provide any payment history for the account. This inconsistency further underscores the need for a thorough investigation into the accuracy of the reported information. 
XXXX XXXX Discrepancies : The reported high balance of {$40.00} and the balance owed of {$0.00} are inconsistent with the actual account details. The high balance and balance owed should both reflect {$0.00}. 
Despite the account being closed on XX/XX/XXXX, XXXX erroneously reports the account as " Closed '' with a closed date of XX/XX/XXXX. This misinformation impacts the accuracy of my credit profile. 
The reported dispute status as " Dispute resolved ; customer disagrees '' suggests that the dispute was resolved without my consent or agreement. However, I have not been properly informed or involved in any dispute resolution process concerning this account. 
Experian Discrepancies : Similar to XXXX, Experian reports a high balance and balance owed of {$0.00}, which is accurate. However, the reported account status as " Closed '' conflicts with the date of last activity reported as XX/XX/XXXX. The account should reflect an " Open '' status.

The payment status is listed as " Late 60 Days, '' which is inaccurate given that the account balance is {$0.00}. This misreporting negatively impacts my credit history and score. 
XXXX Discrepancies : XXXX does not report any information regarding this account, which raises concerns about the consistency and completeness of my credit report across all three bureaus. This lack of reporting by XXXX further highlights the need for accurate and comprehensive credit reporting practices. 

XXXX. Date of Last Activity : Experian reports the date of last activity on this account as XX/XX/XXXX, while XXXX and XXXX indicate different dates. These inconsistencies raise doubts about the accuracy of the reported information and require clarification. 
XXXX. Date Reported : The date reported by Experian differs from that reported by XXXX and XXXX. Experian indicates XX/XX/XXXX as the date reported, whereas XXXX and XXXX report XX/XX/XXXX and XX/XX/XXXX, respectively. This disparity in reporting necessitates an investigation into the accuracy of the reported dates. 
XXXX. Account Status : Experian indicates that the account was in dispute but is now resolved, as reported by the subscriber. However, XXXX reports that the account is not disputed, and XXXX reports it as disputed. This conflicting information regarding the dispute status requires clarification and resolution. 
XXXX. Payment Status : The payment status reported by Experian differs from that reported by XXXX and XXXX. While Experian indicates a XXXX balance and reports the account as closed with a collection/chargeoff status, XXXX and XXXX report XXXX payment amounts and statuses. This discrepancy in reporting requires investigation and correction. 
XXXX. Creditor Remarks : Experian reports remarks indicating that the account was in dispute and is now resolved, with merchandise taken back by the credit grantor and an unpaid balance reported as a loss. However, XXXX and XXXX provide no such remarks, indicating inconsistencies in reporting that need to be addressed. 
XXXX. XXXX Discrepancies : The reported high balance of {$18000.00} and balance owed of {$10000.00} are inconsistent with the account 's true history and status. The correct high balance should be {$0.00}, and the balance owed should reflect the charged-off status. 
Despite the account being labeled as " Derogatory '' and " Collection/Chargeoff, '' there is no indication of the derogatory nature of the account, which misrepresents its status to potential creditors. 
The reported dispute status as " Dispute resolved ; reported by grantor '' is inaccurate and misleading. I have not been notified of any dispute resolution process involving this account. 
The gravity of these discrepancies can not be overstated. They not only cast doubt upon the reliability of the information provided by your agency but also have profound implications for my financial standing and future opportunities. As such, I demand a thorough validation and verification process for each of the disputed accounts to ensure compliance with the FCRA. Additionally, if the information can not be verified, I demand you provide the name, title, and contact information of the person responsible for certifying the accuracy of the information, along with proof of certification. 
Furthermore, I expect prompt communication and transparency throughout the investigation process. It is imperative that I am kept informed of the steps being taken to address my concerns and that any necessary corrections are made within the statutory timeframe as prescribed by law. 
Failure to address these discrepancies in a timely and satisfactory manner will leave me with no choice but to pursue all available legal remedies to rectify the situation and seek damages for any harm caused to my financial reputation. 
Please acknowledge receipt of this dispute letter and confirm the initiation of the validation and verification process. 
Please acknowledge receipt of this dispute letter and inform me of the steps being taken to address my concerns. You can reach me at the address if you require any further information or clarification. 
Sincerely, XXXX XXXX