Consumer complaint received 2024-10-11 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:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX XXXX XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Account Number : XXXX XXXX XXXX XXXX  o Experian : XXXX o XXXX : XXXX Inaccuracy Noted : Incomplete visibility in the screenshot prevents a full comparison of account numbers. 
XXXX. Balance : XXXX XXXX  : {$6900.00} o Experian : {$6900.00} XXXX XXXX XXXX XXXX XXXX High Credit / Credit Limit : XXXX XXXX  : High Credit : {$6700.00} ; Credit Limit : {$5700.00} o Experian : High Credit : {$6700.00} ; Credit Limit : {$5700.00} XXXX XXXX  XXXX XXXX XXXX. Past Due : XXXX XXXX : {$0.00} o Experian : {$0.00} XXXX XXXX : XXXX  XXXX. Payment Status : o All show as Collection/Charge off, which is consistent. 
XXXX. Last Reported : XXXX XXXX XXXX XXXX  o Experian : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. Comments : XXXX XXXX : Charged off as bad debt. Dispute resolved ; reported by grantor o Experian : Account was in dispute- now resolved - reported by subscriber. 
XXXX XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active & Date of Last Payment : XXXX XXXX : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXX o Experian : Last Active : XX/XX/XXXX ; Last Payment : XX/XX/XXXXXXXX XXXX XXXX  : XXXX Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
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