Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX XXXX XXXX is reporting a balance of {$210.00} on my credit report. 

In XX/XX/2023, XXXX, a collection email sent a dunning letter, on behalf of XXXX  XXXX XXXX XXXX. in the letter, XXXX letter stated that as of XX/XX/2023 i owed XXXX  XXXX XXXX XXXX, XXXX. The letter also stated that i paid or were credited XXXX leaving a balance of XXXX XXXX, XXXX  XXXX XXXX is still reporting a balance of XXXX on my credit report after the letter from XXXX  shows XXXX for the same accounthave reached out to both companies and neither will correct the issue. i have attached both documents as proof as well as my credit reports. 

Additionally XXXX XXXX  is a collection company which means that XXXX  XXXX XXXX XXXX sold the account to a third party which will make it a violation to continue to report a balance on an account that has been sold. 
Furthermore, XXXX XXXX XXXX XXXX reporting the account as a open account when it is reporting as as collection./chargeoff which means its closed by default. 

These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to my credit report According to FCRA 623a ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX  XXXX XXXX XXXX continues to report the balance of 212 and an open account status for an account that is a chargeoff/collection B ) reporting information after notice and confirmation of errors- a person shall not furnish information relating to a consumer to any credit reporting agency if ( 1 ) the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and the information is infact accurate. 

Here, for the i have dipsuted for a year with all three credit buraus constantly pointing out the inconsistencies that are being report. Each time, the bureaus confirms that XXXX has verfied the account as accurately, however, all of these consistencies and inaccuracies remain. 


Furthermore, outside of XXXX, XXXX and Experian reporting the chargeoff as a open account, XXXX is reporting the date of last activity as XX/XX/2023 XXXX  is reporting XX/XX/XXXX  and XXXX is reporting XX/XX/. 

XXXX and XXXX fails to report the date of last payment while XXXX is reporting the date of last payment as XX/XX/XXXX  when this account was paid in XXXX, therefore it is evident that XXXX did not conduct a reasonable investigation as the date of last activity should reflect the last date a payment was made This account was disputed with XXXX, XXXX and experian, and all companies fail to mark the account as disputed as outlined in the 15 U.S.C section 1681