Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to formally dispute inaccurate credit reporting by XXXX XXXX XXXX XXXX concerning the following account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX This dispute involves the following issues : 1. Balance Discrepancy : The balance reported of {$1100.00} appears consistent across the statements, but I believe it may need verification for accuracy. I request that XXXX XXXXXXXX XXXX  verify that the reported balance is correct and reflects the actual amount owed as per my records. 

2. Payment History Inaccuracy : The payment history reported for XXXX lists a payment of {$40.00}, yet the balance remains at {$1100.00}. This inconsistency raises concerns that the reported payment may not have been properly accounted for. Please investigate whether the payments are accurately recorded and if they match my actual payment history.

3. Credit Limit Verification : The reported credit limit is listed as {$1200.00}. However, the highest balance shown is {$1100.00}, which is just below the credit limit. I request that this usage rate be verified to ensure it aligns with the accurate limit and usage reported. 

4. Authorized User Account : If this account is an authorized user account, I ask that you confirm whether the information reported ( such as the payment amounts and balances ) is accurately reflected under my profile as an authorized user.

I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) under their Credit Reporting category, pursuant to 15 USC 1681i ( Fair Credit Reporting Act ), which mandates that credit reporting agencies investigate disputed information and correct inaccuracies. As required by 15 USC 1681s-2, furnishers of information ( in this case, XXXX XXXX XXXX ) must ensure that the information they report is accurate and complete. 



Additionally, under 15 USC 1681c, this dispute falls under regulations governing the accurate reporting of information on credit reports, and I request that all discrepancies be corrected and properly reported to the credit bureaus. 



Please provide me with a written response confirming the actions taken, the results of the investigation, and the corrected information once verified. I expect that the necessary amendments will be made to my credit report to reflect the correct balance, payment history, and credit usage, as required by law. 

I am writing to formally dispute inaccurate credit reporting by XXXX XXXX ( XXXX ) concerning the following account : Account Name : XXXX Account Number : XXXX This dispute involves the following issues : 1. Amount Due : The amount reported as due is {$210.00}. I request that you verify this amount with my records and confirm its accuracy. Please ensure the reported amount matches the actual balance owed according to my payment history with XXXX. 



2. Payment History Inaccuracy : The report lists a payment of {$210.00}, but I request that you verify the payment date and amount to ensure the accuracy of this information. Please confirm that this payment was correctly recorded and reflects the actual payment I made. 

I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) under their Credit Reporting category, pursuant to 15 USC 1681i ( Fair Credit Reporting Act ), which mandates that credit reporting agencies investigate disputed information and correct inaccuracies. As required by 15 USC 1681s-2, furnishers of information ( in this case, XXXX ) must ensure that the information they report is accurate and complete. 

Additionally, under 15 USC 1681c, this dispute falls under regulations governing the accurate reporting of information on credit reports, and I request that all discrepancies be corrected and properly reported to the credit bureaus. 


I am writing to formally dispute inaccurate credit reporting by XXXX XXXX regarding the following account : Account Name : XXXX XXXX Account Number : XXXX The specific issues I am disputing are as follows : 1. Balance Discrepancy : The balance reported is listed as {$170.00}, but I believe this balance may need verification for accuracy. Additionally, the reported credit limit of {$1500.00} should be confirmed to ensure that it is consistent with the actual terms of the account.

2. Payment History Inaccuracy : The payment history reported for this account should be reviewed for discrepancies. I request confirmation that the payments listed align with my actual payment history and that there are no missing or inaccurately reported payments. 


I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) under their Credit Reporting category, in accordance with 15 USC 1681i ( Fair Credit Reporting Act ), which requires that credit reporting agencies investigate disputes and correct inaccuracies. 

Under 15 USC 1681s-2, furnishers of information ( such as XXXX XXXX ) are obligated to ensure that the information they report is accurate and complete. In this case, I am requesting that you review the account for any errors in balance, credit limit, and payment history and correct any inaccuracies that may exist.

Furthermore, 15 USC 1681c regulates the accuracy and duration of information reported on credit reports, and I ask that all discrepancies related to this account be thoroughly investigated and corrected in accordance with this provision. 


payment history to ensure the payments recorded match the payments I have made and to confirm there are no discrepancies. 
I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) under the Credit Reporting category, pursuant to the guidelines set forth in 15 USC 1681i ( Fair Credit Reporting Act ). This law requires credit reporting agencies to thoroughly investigate and correct inaccurate information on consumer reports. 



Additionally, under 15 USC 1681s-2, furnishers of information such as XXXX XXXX are obligated to report accurate information to credit bureaus. Should there be any errors in the reporting of this account, I request immediate correction in compliance with this provision. 



Under 15 USC 1681c, credit reporting entities are required to report information accurately and completely, and I ask that you verify that the reported amount due and payment history on this account are fully accurate. 



I request that you conduct a thorough investigation into this dispute and correct any inaccuracies found in the report. I expect to be notified in writing of the results of your investigation and any corrective actions taken. Any adjustments made to my credit report should reflect this correction. 


Thank you for your prompt attention to this matter. Should you need any additional information, feel free to contact me. I appreciate your cooperation in ensuring my credit information is accurately reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation