Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX Experian Customer Relations XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute and Legal Remedies for Inaccuracies on Credit Report - Account # XXXX Dear Experian Customer Relations, I trust this letter finds you well. I am writing to dispute certain inaccuracies in the reporting of my XXXX  XXXX XXXX account, as per the information provided in my credit report. My objective is to bring to your attention the discrepancies that appear to violate key provisions of consumer law, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
1. Inaccurate Reporting of Account Status : a. Violation : FCRA 1681e ( b ) b. Factual Basis : The reported " On time '' and " Closed '' status is inconsistent with the accurate status of the account, which is Paid and Closed. FCRA mandates accurate and complete reporting, and the inaccurate portrayal of the account 's status raises concerns about the integrity of the credit report. 
2. Reporting of Unsubstantiated Balances : a. Violation : FCRA 1681e ( b ) b. Factual Basis : The reported balance of {$0.00}, as of XXXX XXXX XXXX contradicts the original balance of {$520.00}. Accurate and transparent financial reporting, as required by FCRA, should reflect the true historical financial obligations associated with the account. 
3. Failure to Update Account Information : a. Violation : FCRA 1681s-2 ( a ) b. Factual Basis : The failure to update the account status beyond XXXX XXXX violates FCRA 's mandate for comprehensive and up-to-date credit reporting. A complete and accurate credit report is crucial for consumers and creditors alike. 
4. Misleading Reporting of Closed Account : a. Violation : FDCPA 807 ( 10 ) b. Factual Basis : Reporting a closed account as " On time '' without accurately reflecting the account 's closure date misrepresents the actual status and may be considered deceptive under the FDCPA 807 ( 10 ).

5. Failure to Provide Accurate Original Balance : a. Violation : FCRA 1681g b. Factual Basis : The failure to accurately report the original balance of {$520.00} infringes upon consumers ' rights under FCRA 1681g to request and receive information pertaining to the reported account.

In light of these legal infractions, I urge you to conduct a comprehensive review of the inaccuracies in the reporting of the XXXX XXXX XXXX account, taking into consideration the legal obligations outlined in consumer law, the FCRA, and the FDCPA. Failure to address these concerns may necessitate further legal action to rectify these violations.

Enclosed are supplementary materials, including relevant documentation, to support the factual basis of these violations. I request a thorough investigation and prompt resolution of these discrepancies, ensuring compliance with the applicable laws.

Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution. 
Sincerely, XXXX XXXX XXXX