Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX **TransUnion** XXXX  XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX **Equifax** XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Information and Request for Compensation as per FCRA 15 USC 1681i ( 5 ) ( A ) Dear Sir/madam , I am writing to formally dispute inaccurate and incomplete information in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 5 ) ( A ). Additionally, I am seeking compensation for these violations. Below, I have detailed the inaccuracies and inconsistencies identified across the credit reports provided by XXXX, Experian, and XXXX. 

1. *XXXX XXXX  Account** : - **Account # XXXX : - **No. of Months ( terms ) ** : Reported as " XXXX '' which is inconsistent and likely incomplete. 
- **Payment Status** : Late 90 Days is reported, but inconsistent last active and payment dates suggest discrepancies. 
- **Date Last Active and Date of Last Payment** : Both listed as XX/XX/XXXX, conflicting with the Payment Status. 

2. XXXX Account** : - **Account # XXXX : - **High Credit** : Listed as " {$0.00} '', which is inaccurate for a line of credit. 
- **Credit Limit** : Reported as " {$120.00} '', but inconsistencies in the high credit raise questions about accuracy. 

3. XXXX XXXX Account** : - **Account # XXXX : - **High Credit** : Discrepancies among bureaus : {$6600.00} ( XXXX ), {$0.00} ( Experian ), {$7600.00} ( XXXX ). 
- **Date Opened** : XXXX reports XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX. 
- **Date Last Active** : Conflicting dates among bureaus. 
- **Date of Last Payment** : Conflicting dates among bureaus. 

4. XXXX XXXX Account** : - **Account # XXXX : - **High Credit** : Discrepancies among bureaus : {$20000.00} ( XXXX, Experian ), {$19000.00} ( XXXX ). 
- **Date Opened** : XXXX reports XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX. 
- **Date Last Active** : Conflicting dates among bureaus. 
- **Date of Last Payment** : Conflicting dates among bureaus. 

5. XXXX Account** : - **Account # XXXX : - **High Credit** : Discrepancies among bureaus : {$4500.00} ( XXXX ), {$0.00} ( Experian ). 
- **Date Opened** : XXXX reports XX/XX/XXXX, while Experian reports XX/XX/XXXX. 
- **Date Last Active** : Conflicting dates among bureaus. 
- **Date of Last Payment** : Conflicting dates among bureaus. 

6. XXXX Account** : - **Account # XXXX : - **Account Type - Detail** : Different descriptions : Telecommunications/Cellular ( XXXX ), Unknown ( Experian ), Collection ( XXXX ). 
- **Date Last Active** : Conflicting dates among bureaus. 
- **Date of Last Payment** : Conflicting dates among bureaus. 
- **Payment Status** : XXXX reports XXXX Late 120 Days '' while others list as Collection/Chargeoff. 

7. XXXX XXXX XXXX Account** : - **Account # XXXX : - Only reported by Experian. 
- High Credit and Balance reported as {$29000.00}, suggesting possible errors or omissions in other bureaus. 

8. **XXXX  XXXX Account** : - **Account # XXXX : - **High Credit** : XXXX and Experian report {$24000.00} , XXXX reports {$1700.00}. 
- **Date Last Active** : Conflicting dates among bureaus. 
- **Date of Last Payment** : Conflicting dates among bureaus. 

Under the FCRA, it is the duty of credit reporting agencies to ensure that the information they report is accurate and complete. The inconsistencies listed above render the information inaccurate and incomplete, and as such, it must be promptly deleted from my credit report. 

These discrepancies are violations of the FCRA. Each instance of inaccurate, incomplete, or inconsistent reporting is a violation of my rights under 15 USC 1681i ( 5 ) ( A ). As such, I am requesting compensation for each violation, as outlined by the FCRA, in the amount of {$1000.00} per violation. 

I request that your bureau reinvestigate these discrepancies, delete any inaccurate, incomplete, or unverifiable information from my credit report, and compensate me accordingly. Please notify me in writing once the corrections have been made and compensation has been issued. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX