Consumer complaint received 2025-01-06 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  De XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Dispute and Request for Deletion of Inaccurate Credit Information Under FCRA Dear Sir/Madam, I am submitting a formal dispute regarding inaccurate and incomplete information that has been reported on my credit reports from XXXX, Experian, and XXXX. After carefully reviewing my reports, I have identified several discrepancies and errors that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As a result of these inaccuracies, I am requesting that these accounts be completely deleted from my credit reports.

Account Information : Account 1 : ( XXXX ) Reported by : XXXX XXXX Experian XXXX XXXX XXXX Creditor : [ XXXX XXXX  ] Balance Owed : {$450.00} ( for all bureaus ) Status : Collection/Chargeoff Date Opened : XX/XX/XXXX Date Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Reasons for Dispute : Inconsistent High Balance Reporting : The high balance on this account is reported inconsistently : XXXX reports a high balance of {$720.00}, while Experian and XXXX XXXX report it as {$0.00}. This discrepancy is a clear violation of the FCRA, which requires accurate reporting by all credit bureaus.

Legal Reference : 15 U.S.C. 1681e ( b ) Credit reporting agencies are required to ensure the accuracy of the information they report. This inconsistency in reported balances is a violation of that requirement. 

Inconsistent Date of Last Activity : The date of last activity for this account is reported inconsistently across the credit bureaus : XXXX shows the date of last activity as XX/XX/XXXX. 

Experian reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. 

Legal Reference : 15 U.S.C. 1681i ( a ) The FCRA guarantees consumers the right to dispute inaccurate or incomplete information. These differing dates of last activity are inaccurate and can not be verified, which should lead to removal of the account. 

Inconsistent Account Status and Late Payment Reporting : All three bureaus report the account as Collection/Chargeoff, yet there is inconsistent reporting of late payments : Experian shows the account as 30 days late, 60 days late, and 120 days late after the account has been marked as charged off, which is contradictory. 

XXXX also reports late payments as 30 days, 60 days, and 90 days late, despite the account being charged off. 

Legal Reference : 15 U.S.C. 1681e ( b ) Credit reporting agencies must ensure that the information they report is accurate and not misleading. These conflicting payment statuses violate this law, as they create confusion regarding the accounts actual standing. 

Failure to Accurately Reflect Account Closure : While XXXX and XXXX reflect the account as closed, Experian does not include a closure date. 

Legal Reference : 15 U.S.C. 1681e ( b ) This is a violation of the accuracy requirement under the FCRA, as one bureau is failing to report critical information ( the closure date ) accurately. 

Unverifiable Information : Based on the above inconsistencies, these accounts can not be properly verified, violating my rights under the FCRA. As such, I am requesting that these accounts be completely deleted from my credit reports, as they can not be verified under the law. 

Requested Resolution : I am requesting that these accounts be deleted in full from my credit reports across XXXX, Experian, and XXXX due to the inaccurate, incomplete, and unverifiable information reported. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit reports. Since the accounts are not accurately reported and can not be verified, I am asking that these accounts be completely removed from my credit history, not merely updated or corrected. 

XXXXmmediate deletion of the disputed accounts from my credit reports.

Written confirmation of the removal of these accounts from my credit reports.

Legal Grounds for Deletion : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The inconsistencies in the high balance, last activity date, and account status violate this law. 

15 U.S.C. 1681i ( a ) : Consumers have the right to dispute inaccurate or incomplete information, and the credit bureaus are required to investigate and delete any unverifiable information.

15 U.S.C. 1681i ( a ) ( 5 ) : If an item of information can not be verified, it must be deleted from the consumer 's credit report.

15 U.S.C. 1681c ( a ) : Information that is outdated, unverifiable, or inaccurate must be removed in a timely manner.

I kindly request that you proceed with the deletion of the inaccurate account information, as I believe it is in violation of my rights under the FCRA. I would appreciate written confirmation once these items have been deleted. If you require further documentation or information, please let me know. 

Thank you for your attention to this matter.

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