Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information Global Lending Services Account To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information reporting on my Experian credit report under the account name XXXX XXXX XXXX, Account Number : [ Insert Full or Partial Account Number if available ]. 



According to my credit report, this account is being reported as a charged-off account with numerous inaccuracies, inconsistencies, and conflicting data, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 



Here are the specific issues : 1. Inaccurate Delinquency Timeline : In XX/XX/XXXX, the account is reported as 30 days late, and again in XX/XX/XXXX, it is also listed as 30 days late. This is inaccurate. If the account was 30 days late in XXXX and remained unpaid, it should reflect 60 days late in XXXX. 

In XX/XX/XXXX, it is marked as 60 days late, but XX/XX/XXXX shows No Data for This Period, which is inconsistent and omits key information.

2. Conflicting Charge-Off Reporting Dates and Balances : The account shows a status updated date of XX/XX/XXXX, yet the balance is reported as being updated on XX/XX/XXXX, which is inconsistent and misleading. 

The account reflects a charged-off status, yet still reports an outstanding balance, which is legally questionable under FCRA unless the account was sold or validly restructured. It also lists a written-off amount that differs from the reported balance, further indicating discrepancies in the data being furnished.

3. Account Still Reporting as Past Due : The account shows a past due amount as of XX/XX/XXXX, despite being charged off in XXXX, which is misleading, inaccurate, and may be an attempt to re-age the account.

Under the FCRA, particularly : Section 1681i ( a ) ( 5 ) Inaccurate or unverifiable information must be promptly deleted from a consumers file.

Section 1681s-2 ( a ) ( 1 ) ( A ) A data furnisher must not report information it knows or has reasonable cause to believe is inaccurate.

Section 1681c ( a ) ( 4 ) The reporting of a charged-off account must follow proper aging rules and should not be misleading or inaccurate.

In light of the multiple reporting inconsistencies, I am requesting that this account be : Fully investigated, and Permanently deleted from my Experian credit report if the inaccuracies can not be corrected with verifiable, consistent data from the furnisher.

Please conduct your reinvestigation and respond within the required 30-day time frame under the FCRA. If you verify the account, I request that you provide a complete copy of the method of verification, including the name and contact information of the person who verified the accuracy of the data from XXXX XXXX XXXX. 



If this inaccurate information is not removed, I will be forced to escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), and I will consider pursuing legal remedies for violations of my rights under the FCRA. 



Sincerely, 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