Consumer complaint received 2024-06-27
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)

Subject : Urgent Dispute of Inaccurate Credit Report Information under FCRA To Whom It May Concern, I am writing to formally dispute the inaccurate and erroneous information appearing in my credit reports maintained by XXXX and Experian. As a veteran of the United States military, these inaccuracies have caused substantial harm to my financial standing and creditworthiness. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 and 623, I demand an immediate investigation and correction of the following erroneous entries related to my XXXX XXXX account : XXXX : Account Number : XXXX Account Type : Revolving ( Charge account ) XXXX Code : Individual Account Status : Open Monthly Payment : {$230.00} Date Opened : XX/XX/XXXX Balance : {$8100.00} High Credit : {$8400.00} Credit Limit : {$8200.00} Past Due : {$400.00} Payment Status : Late 60 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Payment History : [ Detailed payment history ] Experian : Account Number : XXXX Account Type : Revolving ( Charge account ) XXXX Code : Individual Account Status : Open Monthly Payment : {$230.00} Date Opened : XX/XX/XXXX Balance : {$8100.00} High Credit : {$8400.00} Credit Limit : {$8200.00} Past Due : {$400.00} Payment Status : Late 30 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Payment History : [ Detailed payment history ] The inaccuracies are as follows : Inconsistent Payment Status : XXXX reports a payment status of " Late 60 Days, '' while Experian reports `` Late 30 Days. '' This inconsistency is a blatant violation of the FCRA 's requirement for accurate reporting as outlined in Section 623. 
Inconsistent Date of Last Activity : XXXX lists the date of last activity as XX/XX/XXXX, whereas Experian lists it as XX/XX/XXXX. This discrepancy violates the FCRAs mandate for accuracy and completeness under Section 611. 
Erroneous Late Payment Reporting : The reported late payments are inaccurate as I have consistently made timely payments. This erroneous reporting is not only unjust but also a direct violation of the FCRA. 
Enclosed are copies of my account statements and payment receipts which irrefutably demonstrate my compliance with all payment obligations. I demand an immediate and thorough investigation into these discrepancies. 

Under Section 611 of the FCRA, you are legally obligated to complete this investigation within 30 days. Should these inaccuracies not be resolved within the stipulated timeframe, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and will not hesitate to seek all available legal remedies under Section 623. 

This dispute is of the utmost urgency and requires your immediate attention. Please confirm receipt of this letter and provide me with a corrected copy of my credit report post-investigation. Additionally, notify all parties who have accessed my credit report in the past six months of these corrections. 

Thank you for your prompt attention to this urgent matter.