Consumer complaint received 2025-01-15 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland [ XXXX ] XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Complaint Regarding Discrepancies in Credit Report Information and Expired Statute of Limitations on Debt Collection Credit Card Account # XXXX To Whom It May Concern : I am writing to formally file a complaint concerning significant discrepancies in the reporting of an account on my credit reports by XXXX, Experian, and XXXX, as well as the continued reporting of an alleged debt that is beyond the statute of limitations for collection in the state of Maryland. The details are as follows : Discrepancies in Account Closure Dates : XXXX : XXXX the account was closed on XX/XX/XXXX. 
Experian : Reports the account was closed on XX/XX/XXXX. 
XXXX : Reports the account was closed on XX/XX/XXXX. 

These inconsistencies violate the provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Requiring reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in credit reports.

15 U.S.C. 1681i ( a ) : Mandating that, upon notification of a dispute, credit reporting agencies must conduct a reasonable investigation into the accuracy of the information and correct any inaccuracies.

Despite my previous disputes with the credit reporting agencies, these discrepancies remain unresolved, adversely affecting my credit profile and violating my consumer rights. 

Expired Statute of Limitations on Debt Collection : The alleged debt associated with this account was created on XX/XX/XXXX. As of today, XX/XX/XXXX, more than three years have elapsed since the debts creation. Under Maryland law, the statute of limitations for filing a lawsuit to collect a debt is three years from the date the debt becomes due. This is codified in Maryland Courts and Judicial Proceedings Code 5-101, which states : A civil action at law shall be filed within three years from the date it accrues unless another provision of the Code provides a different period of time within which an action shall be commenced. 

Given that the statute of limitations has expired, any continued attempts to collect this debt are unlawful. Furthermore, the continued reporting of this debt on my credit reports is misleading and detrimental to my creditworthiness.

Requested Actions : 1. Immediate Removal of the Account : I request the immediate deletion of this account from my credit reports due to the inaccuracies in reporting and the expiration of the statute of limitations for debt collection. 
2. Correction of Inaccurate Information : Ensure that all information related to this account is deleted across all credit reporting agencies.

3. Compliance with FCRA and Maryland State Laws : Adhere to the provisions of the Fair Credit Reporting Act and Maryland state laws regarding the reporting and collection of debts.

I have enclosed copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies, as well as documentation supporting the creation date of the alleged debt. I trust that the Consumer Financial Protection Bureau will investigate this matter promptly and take the necessary actions to uphold my rights as a consumer. Please notify me of the outcome of your investigation within the timeframes established under the FCRA. 

Thank you for your attention to this matter. Should you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Enclosures : 1. Copies of Credit Reports with Highlighted Discrepancies

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