Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXXACCOUNT # XXXX XXXX XXXX XXXX -ACCOUNT # XXXXXXXX XXXX XXXX XXXX -ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCOUNT # XXXX XXXX Information : I have identified the following discrepancies that require immediate investigation and correction Open Date Inconsistency : Your records show the account was opened on XX/XX/XXXX, while XXXX reports XX/XX/XXXX. Please confirm and correct the account 's open date. 
High Credit Inaccuracy : Your records indicate a high credit amount of {$0.00}, which conflicts with the accurate amount of {$570.00} reported by other credit bureaus. 
Last Reported Date : The last reported date listed as XX/XX/XXXX is inconsistent with other bureaus. Please verify and update this to align with accurate reporting. 
Credit Limit Discrepancy : Your records indicate a credit limit of {$0.00}, but the original creditor provided a limit of {$400.00}. 
Date Last Active : Your records list XX/XX/XXXX as the date last active, which conflicts with other reports. This needs to be verified and updated. 
Account Comments : Your comments mention, " Customer disputed account reported by subscriber, '' but no resolution has been provided to date. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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