Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX Account Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit file concerning my XXXX XXXX account. The discrepancies between XXXX and Experian reports violate provisions under the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) regulations. I request an immediate investigation and correction of these inaccuracies. 

Account Details : Account Number : XXXX Account Type : Revolving Charge Account Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) Balance : {$8100.00} Credit Limit : {$8200.00} Monthly Payment : {$230.00} Past Due : {$400.00} Payment Status : Late 60 Days ( XXXX ) / Late 30 Days ( Experian ) Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( Experian ) Date of Last Payment : XX/XX/XXXX Discrepancies Identified : Payment Status : XXXX : Shows Late 60 Days. 
Experian : Shows Late 30 Days. 
Date Last Active : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
Two-Year Payment History : XXXX : Indicates 60 days late for XXXX and XXXX XXXX, 90 days late for XX/XX/XXXX. 
Experian : Indicates 60 days late for XXXX and XXXX  XXXX, 90 days late for XX/XX/XXXX. 
Date Opened : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
Request for Action : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit bureaus are required to conduct a reasonable investigation when a consumer disputes information on their report and to correct any inaccuracies found. Additionally, the Federal Trade Commission ( FTC ) mandates that credit reporting must be accurate and complete as per their guidelines on fair credit reporting. 

Verify the actual payment history and status of my XXXX XXXX account. 
Correct the payment status to reflect accurate information consistent across both credit bureaus. 
Update the date last active and date opened to ensure they are accurate. 
Align the two reports to reflect consistent and accurate information. 
Supporting Documentation : Enclosed are copies of recent XXXX XXXX account statements that clearly demonstrate timely payments. These documents should assist in verifying and correcting the inaccuracies. 

Legal Basis : In accordance with 15 U.S.C. 1681c, information on a credit report must be accurate and reflect the consumer 's true credit history. The discrepancies in payment status, dates, and account details reported by XXXX and Experian violate these provisions. The FTC enforces that consumers have the right to dispute and rectify such inaccuracies, and credit bureaus must address these disputes promptly. 

Please investigate this matter thoroughly and correct the inaccuracies as soon as possible. I expect written confirmation of the corrections made to my credit report. Should you require any further information, please contact me at the details provided above. 

Thank you for your immediate attention to this matter.