Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

Hello, I am writing to dispute inaccurate and unverified information that has been reported on my credit report by the following creditors : XXXX XXXXXXXX XXXX, account number XXXX. According to Experian and XXXX, I was reported as being 120 days late on XX/XX/XXXX, which is inaccurate as I have never missed any payments on this account. Additionally, all three credit bureaus- Experian, XXXX, and XXXX- reported the payment status as charged off, but I have never received any notification or paperwork regarding this status. 

Furthermore, Experian and XXXX did not report the correct high credit balance on the account, while XXXX reported a balance of {$2600.00}. I believe that these inaccuracies and omissions have greatly impacted my credit score and my ability to access credit at reasonable terms. 

I believe have been reported inaccurately by my creditors. Specifically, I am concerned about the following creditors and their account numbers : XXXX XXXX XXXX ( XXXX ). 

According to Experian, my XXXX XXXX XXXX account is a Secured Credit Card, while XXXX reports it as a revolving account. Additionally, both Experian and XXXX have reported that I was 30 days late on XX/XX/XXXX, but I have not missed any payments on this account. Experian has also listed the payment status as Past due 30 days three times, but I have not received any notifications regarding this past-due status, nor have I been provided with any paperwork. Furthermore, Experian 's Last Reported date is listed as XX/XX/XXXX, while XXXX 's is listed as XXXX Similarly, Experian 's Date Last Active date is listed as XX/XX/XXXX, while XXXX 's is listed as XXXX 

These actions by my creditors are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ), which require furnishers of information to credit reporting agencies to report accurate information, notify credit reporting agencies when an account is disputed by a consumer, and notify consumers when an account has been charged off and provide information about the amount of debt owed.

These actions are also in violation of the Fair and Accurate Credit Transactions Act ( FACTA ), specifically section 312 ( b ) ( 2 ) ( A ) ( ii ), which requires the high credit limit reported to be the highest amount of credit extended to the consumer at any time. 

These inaccuracies on my credit report have caused significant harm to my financial standing, as I have been denied loans and other forms of credit as a result of the false information on my credit report. This has had a significant impact on my ability to support myself and my family, causing me immense emotional distress and financial hardship. 

Therefore, I am requesting that my creditors remove these unverified accounts from my credit report as soon as possible. I also request that the CFPB enforce the legal requirements of the FCRA and FACTA to ensure that my rights as a consumer are protected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX