Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the inaccurate and misleading reporting of the closed account referenced below on my credit report. I demand the immediate deletion of this account from my credit report due to numerous violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and its subchapters, which require accurate, complete, and up-to-date reporting of all credit information. 

The account in question is listed as a charged off auto loan, but the information is inaccurate, incomplete, and misleading. Below are the key discrepancies and violations : Account Information : Account Number ( redacted ) : XXXX Creditor Name : XXXX XXXX XXXX XXXX Account Type : Auto Loan Account Status : Closed High Balance : {$23000.00} ( XXXX and Experian ) ; {$15000.00} ( XXXX XXXX Last Verified : XX/XX/XXXX Date Opened : XX/XX/XXXX to XX/XX/XXXX Balance Owed : {$15000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory ( Across All Bureaus ) Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt / Merchandise taken back by XXXX XXXX Payment XXXX XXXX {$0.00} Last Payment : XX/XX/XXXX ( XXXX and Experian ), XX/XX/XXXX ( XXXX ) Past XXXX Amount : {$4900.00} ( XXXX ) Discrepancies and Violations : Incorrect Date of Last Activity The " Date of Last Activity '' is reported inconsistently across the credit bureaus : XXXX reports XX/XX/XXXX XXXX 
Experian reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
This inconsistency violates 15 U.S.C. 1681e ( b ), which mandates that credit information must be accurate, complete, and up-to-date. 
Failure to Correct Inaccurate Reporting of XXXX The account is listed as " charged off as bad debt '' across all three credit bureaus, which is misleading and incorrect. The account was disputed previously but was reported with contradictory remarks : Experian and XXXX report that the dispute was resolved and indicate that the account was resolved by the data furnisher, but the charge-off status still remains. 
XXXX reports that merchandise was taken back by the credit grantor, which does not accurately reflect the accounts status and is an incomplete and misleading statement. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if an account is disputed and later resolved, the credit reporting agencies are required to ensure that the information reported is accurate. This account has not been properly corrected, thus violating the FCRA. 
Inaccurate Payment History The payment history is inconsistent : XXXX and Experian report the last payment as XX/XX/XXXX, whereas XXXX reports the last payment as XX/XX/XXXX. 
This discrepancy in payment history is a direct violation of 15 U.S.C. 1681i, which requires a credit reporting agency to correct any inaccuracies and ensure the account history is properly reported. 
Inaccurate XXXX XXXX XXXX XXXX XXXX is reporting a past due amount of {$4900.00}, which is incorrect. The past due balance should reflect the current status of the account, including any payments or adjustments made, but the figure is outdated and incorrect. This violates the requirement under 15 U.S.C. 1681c to report accurate and complete information. 

Failure to Properly Report Account Status The account was closed and charged off, but the FCRA Section 1681e ( b ) requires that information on closed accounts be fully accurate. The inaccurate remarks and inconsistent reporting of the status of the account suggest that the account is still open or unresolved, which is not the case. This misreporting is misleading and violates my rights under 15 U.S.C. 1681c.

Legal Right to Seek Damages : Under 15 U.S.C. 1681n, I am entitled to seek statutory damages of up to {$1000.00} per violation if the credit reporting agencies willfully fail to comply with the FCRA. The multiple violations outlined above constitute willful noncompliance, and I am prepared to pursue legal action to recover statutory damages for each violation if this matter is not resolved to my satisfaction. 

XXXX Requested : Given the severe and multiple violations outlined above, I demand the following actions : Immediate Deletion of the Account This account must be permanently removed from all of my credit reports due to its inaccurate and misleading information. 
Correction of XXXX XXXX and Account XXXX If this account is not deleted, I demand that all information regarding late payments and the account status be corrected to reflect the true nature of the account, including any payments made. 
Full XXXX and XXXX of Account XXXX I demand an immediate and thorough investigation into this account, ensuring that accurate and complete information is reported to all three credit bureaus. 
Confirmation of XXXX I expect a written confirmation that the creditor has been notified of this dispute and that all inaccurate information has been corrected or removed from my credit file. 
Failure to comply with my request will result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), and I will pursue legal action for damages of up to {$1000.00} per violation under 15 U.S.C. 1681n. You are required to respond within 30 days, as mandated by the FCRA. 

I trust you will treat this matter with the seriousness it deserves, and I expect a swift and complete resolution.

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