Consumer complaint received 2024-11-26 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:
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 all bureau XXXX 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. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Here is a breakdown of potentially inaccurate information : Heres a breakdown of potential inaccuracies : Inconsistencies : XXXX. Monthly Payment : XXXX and Experian show {$XXXX}, while XXXX shows {$XXXX}. This discrepancy should be verified. 
XXXX. Balance : XXXX and Experian show a balance of {$XXXX}, while XXXX reports {$XXXX}. This difference is significant and warrants correction. 
XXXX. Number of Months ( Terms ) : XXXX and Experian show XXXX  months, but XXXX lists XXXX. This is likely an error on XXXX side. 
XXXX. Last Reported Date : XXXX and Experian both show XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
XXXX. Comments : Experian lists CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, but XXXX and XXXX do not have similar notes. This inconsistency could indicate missing information. 
XXXX. Date Last Active : XXXX lists XX/XX/XXXX, Experian lists XX/XX/XXXX, and XXXX has no value. These discrepancies should be resolved. 
XXXX. Date of Last Payment : XXXX and Experian report XX/XX/XXXX, but XXXX has no data for this field. 
XXXX. Account Type Detail : XXXX and Experian describe the account as FHA real estate mortgage, while XXXX uses Real estate mortgage FHA mortgage. This difference in terminology could cause confusion. 

Two-Year Payment History : XXXX : XX/XX/XXXX : Shows OK while XXXX and Experian show 30 days late. 
XX/XX/XXXX : Shows OK while XXXX and Experian report 60 days late. 
XX/XX/XXXX : Shows OK while XXXX and Experian show 90 days late. 
Experian : Consistent with XXXX but differs from XXXX in multiple months, as noted above.

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 XXXX : CFPB FTC XXXXXXXX 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