Consumer complaint received 2025-02-09 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Reporting for XXXX XXXX Account Request for Investigation and Deletion Dear Experian Representative, I am writing to dispute the inaccurate and inconsistent reporting of my XXXX XXXX  account as reflected on my credit reports. The errors outlined below violate provisions of the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. If the errors can not be validated or corrected, I am requesting the deletion of this account from my credit reports. 

Disputed Account Details Creditor Name : XXXX XXXX  Account Number : [ XXXX ] Balance : {$2200.00} Credit Limit : {$2500.00} ( XXXXExperian )/ {$0.00} ( XXXX ) XXXX Status : Late 120 Days Discrepancies Identified : Credit limit, payment history, and closure reason Inaccuracies and FCRA Violations 1. Incorrect Credit Limit Reporting ( Violation of FCRA XXXX ( a ) ( XXXX ) ) XXXX reports a credit limit of {$0.00}, while XXXX and Experian correctly report a limit of {$2500.00}. This discrepancy results in an inflated credit utilization ratio, significantly harming my credit score.

Requested Action : Correct the credit limit to reflect the accurate limit of {$2500.00} or remove the account if validation can not be provided.

2. Inconsistent Late Payment Reporting ( Violation of FCRA 623 ( a ) ( 1 ) ) The payment history reflects conflicting reports of late payments across the bureaus, making it clear that the information is unreliable and inaccurate : XX/XX/XXXX : XXXX : 90 days late Experian : 120 days late XXXX : 90 days late XX/XX/XXXX : XXXX : 60 days late Experian : 90 days late XXXX : 60 days late These discrepancies misrepresent my payment history and violate accurate reporting guidelines under the FCRA. 
Requested Action : Verify and correct the inconsistent late payment history. If verification fails, delete the account from my credit report. 
3. Conflicting Closure Reasons ( Violation of FCRA 623 ( a ) ( 1 ) ) XXXX lists the reason for closure as canceled by the credit grantor, while Experian states that it was closed due to inactivity, and XXXX includes both reasons inconsistently. The lack of a clear and consistent explanation for the accounts closure misleads lenders and violates proper reporting guidelines. 
Requested Action : Provide the correct and consistent closure reason across all bureaus. If the correct reason can not be verified, delete the account. 
XXXX. Potential Reporting of Obsolete Late Payments ( Violation of FCRA 605 ( a ) ) If any late payments exceed the XXXX limit from the original delinquency date, they should be immediately removed as they violate the time limits set under FCRA 605 ( a ).

Requested Action : Review the payment history and remove any late payments older than seven years.

CFPB Legal Precedent and Additional Considerations Both XXXX and Experian have been subject to recent legal actions by the Consumer Financial Protection Bureau ( CFPB ) for repeated failures in accurate credit reporting and dispute resolution processes. The XXXX XX/XX/XXXX lawsuit highlights violations involving incorrect information and the failure to properly investigate consumer disputes. In light of this legal precedent, I expect strict adherence to the FCRA and a thorough investigation of my dispute.

Requested Actions 1. Immediate Correction of Credit Limit : Correct Equifaxs credit limit entry to {$2500.00} or delete the account if validation fails.

2. Correction of Late Payment Inconsistencies : Verify the reported late payments and correct the discrepancies, or delete the account if verification can not be completed.

3. Consistent Closure Reason : Ensure the closure reason is consistent and accurately reflects the nature of the accounts closure.

4. Review of Time-Barred Late Payments : Remove any late payments older than seven years from the original delinquency date.

5. Confirmation of Resolution : Provide written confirmation of the outcome within the 30-day period as required by FCRA 611 ( a ).

Supporting Documentation Copy of credit reports highlighting the errors Drivers License Social Security Card Failure to correct or remove the inaccurate information within the legally required timeframe may result in further escalation through the CFPB or legal action. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

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