Consumer complaint received 2024-12-21 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: NY

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX  XXXX XXXX Inaccuracies and Issues 1. Account Type and Description Discrepancy : o XXXX : " Business Credit Card. '' o Experian : " Charge Account. '' o This inconsistency in account type descriptions raises concerns about data accuracy. 
2. High Credit and Credit Limit Discrepancies : o High Credit : {$3200.00} ( consistent across reports ). 
o Credit Limit : {$3000.00} ( XXXX and XXXX ). 
o Past Due Balance : {$3600.00}. 
o The past due balance exceeds the high credit and credit limit, which is an anomaly requiring verification. 
3. Comments Conflict : o XXXX : " Charged off as bad debt. Dispute resolved ; reported by grantor. '' o Experian : " Unpaid balance reported as a loss by the credit grantor. '' o XXXX : " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. '' o These comments reflect inconsistent handling of disputes and charge-offs. 

4. Date Discrepancies : o Date Last Active : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
o Date of Last Payment : XXXX and XXXX : XX/XX/XXXX. 
o These inconsistencies should be clarified and corrected. 
5. Payment History Errors : o The Two-Year Payment History shows " CO '' ( Charge Off ) consistently across all bureaus. If this account was disputed or resolved, these entries should reflect the resolution accurately. 


XXXX  XXXX XXXX Inaccuracies and Issues 1. Balance vs. Credit Limit Conflict : o Balance : {$4100.00} ( XXXX and XXXX ). 
o Credit Limit : {$3700.00} ( all bureaus ). 
o The balance exceeds the credit limit, which is an anomaly that needs verification. 
2. Comments Discrepancies : o XXXX : " Charged off as bad debt. Dispute resolved : reported by grantor. '' o Experian : " Account was in dispute, now resolved - reported by subscriber. '' o XXXX : " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. '' o Comments lack consistency regarding the resolution status and how the dispute was handled. 
3. Date Discrepancies : o Date Last Active : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
o Date of Last Payment : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
o There is a slight discrepancy in the " Date Last Active '' between XXXX and Experian. 
4. Future Reporting Dates : o Last Reported : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
o Reporting future dates violates the FCRA 's accuracy and timeliness requirements.

5. Payment History Inconsistencies : o The Two-Year Payment History shows continuous " CO '' ( Charge Off ) statuses. If the account dispute was resolved, these entries should reflect the resolution XXXXXXXX XXXX XXXX XXXXXXXX Key Inaccuracies and Issues : 1. Balance Exceeding Credit Limit : o Balance : {$7800.00}. 
o Credit Limit : {$7100.00}. 
o The balance exceeds the credit limit, which is inconsistent with standard account reporting practices and needs verification. 
2. Comments Discrepancies : o XXXX : " Charged off as bad debt. Account information disputed by consumer, meets FCRA requirements. '' o Experian : " Customer disputed account - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. '' o XXXX : " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. '' o These comments vary significantly and do not provide a clear resolution status. 
3. Future Reporting Dates : o Last Reported : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
o Reporting future dates violates the FCRA 's accuracy requirements.

4. Date Discrepancies : o Date Last Active : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
o Date of Last Payment : All bureaus : XX/XX/XXXX. 
o Discrepancies in the " Date Last Active '' should be clarified. 
5. Payment History Errors : o The Two-Year Payment History shows " CO '' ( Charge Off ) consistently for all months. If the account was disputed or resolved, the history should reflect this. 


1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.

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