Consumer complaint received 2025-02-02 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: TX

Complaint narrative:
I am disputing the inaccurate, misleading, and unverifiable information reported on my Experian credit file regarding my XXXXXXXX XXXX XXXX account ( ending in XXXX ). Experian has willfully and negligently reported false and conflicting data in violation of the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Bureau ( CFPB ) regulations, the Uniform Commercial Code ( UCC ), the Uniform Consumer Credit Code ( UCCC ), and relevant Code of Federal Regulations ( CFRs ). 

Upon reviewing both the XXXX confirmation letter ( dated XX/XX/XXXX ) and my Experian credit report ( dated XX/XX/XXXX ), the following discrepancies and violations have been identified : 1. Charge-Off Amount Discrepancy Barclays Letter : The charge-off amount was {$4500.00} as of XX/XX/XXXX. 
Experian Report : Reflects a charge-off amount of {$3300.00} and a past-due balance of {$4500.00} as of XX/XX/XXXX. 
Issue : The charge-off amount does not match XXXX ' records, which constitutes materially false reporting and affects my creditworthiness. 
Violations : 15 U.S.C. 1681e ( b ) ( FCRA ) CRAs must ensure maximum possible accuracy in reporting consumer data. 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs are legally required to ensure data is accurate and consistent. 
CFPB Violation : 12 C.F.R. 1022.42 ( Regulation V ) CRAs must verify disputed data and remove unverifiable information. 

XXXX. False Charge-Off Timeline Reporting XXXX Letter : The account was charged off on XX/XX/XXXX. 
Experian Report : Reports charge-offs from XX/XX/XXXX through XX/XX/XXXX, implying ongoing charge-offs rather than a single event. 
Issue : A charge-off is a one-time event, and Experian 's repeated reporting artificially inflates my delinquency, severely damaging my credit score.

Violations : 15 U.S.C. 1681i ( a ) ( 5 ) ( FCRA ) CRAs must delete or correct inaccurate or unverifiable information. 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Misleading charge-off reporting is an FCRA violation that harms consumer creditworthiness. 
CFPB Violation : 12 C.F.R. 1022.43 CRAs must properly reinvestigate disputes and ensure data integrity. 

3. Incorrect Delinquency Reporting XXXX Letter : The account first became delinquent in XX/XX/XXXX. 
Experian Report : Shows 30 days past due in XX/XX/XXXX, increasing to 150 days past due by XX/XX/XXXX. 
Issue : If delinquency was first reported in XX/XX/XXXX, then XXXX XX/XX/XXXX delinquency report is inaccurate. 
Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) Data furnishers must not report false delinquency dates. 
XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) Incorrect delinquency dates mislead future lenders and impact credit scores. 
4. Credit Limit & Balance Misreporting Experian Report : Lists a credit limit of {$3400.00} but also reports a highest balance of {$4500.00}, exceeding the credit limit. 
Issue : If my credit limit was {$3400.00}, Experian must clarify why it reported a balance higher than the limitwhich suggests improper fee accumulation or miscalculation. 
Violations : 12 C.F.R. 1022.42 ( Regulation V ) Credit reporting agencies must ensure data integrity and proper balance reporting.

UCC 2-302 If excessive fees inflated the balance, it may be deemed unconscionable and unenforceable. 
XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Credit inaccuracies that cause tangible harm are grounds for legal action. 

XXXX. Name Discrepancy Potential Mixed File XXXX Letter : Identifies me as XXXX XXXX. 
Experian Report : Lists multiple names, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 
Issue : This suggests potential data mixing with another consumer, which negatively affects my credit profile. 
Violations : 15 U.S.C. 1681i CRAs must ensure consumer identifiers are accurate to prevent misattributed data. 
Case Law : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must correct errors that misidentify a consumer.

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