Consumer complaint received 2025-01-08 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Dispute of Charge-Off Account Information on My Consumer Report Dear Consumer Financial Protection Bureau , I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX XXXX  XXXX. Late Payment Reporting XX/XX/XXXX : o XXXX : Charge Off ( " CO '' ) o Experian : Charge Off ( " CO '' ) o XXXX : OK ( on-time ) XX/XX/XXXX : o XXXX : Charge Off ( " CO '' ) o Experian : Charge Off ( " CO '' ) o XXXX : XXXX ( on-time ) XX/XX/XXXX : o XXXX : Charge Off XXXX " CO '' ) o Experian : Charge Off ( " CO '' ) o XXXX : OK ( XXXX ) XXXX reports " OK '' ( XXXX ) for XXXX, XXXX, and XX/XX/XXXX, while XXXX and Experian report " CO '' ( XXXX Off XXXX. The inconsistency indicates a discrepancy in XXXX 's reporting. 

2. High Credit Discrepancy High Credit : o XXXX : {$1600.00} o Experian : {$0.00} o XXXX : {$1600.00} Experian incorrectly reports the High Credit as {$0.00}, which contradicts the amounts reported by XXXX and XXXX. 
3. Last Reported Date Discrepancy Last Reported Date : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier " Last Reported Date '' compared to XXXX and Experian, indicating potentially outdated information. 
XXXX. Date Last Active Discrepancy Date Last Active : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier Date Last Active compared to XXXX and Experian, which XXXX be inaccurate. 





Field XXXX Experian XXXX Issue Late Payments ( XXXX ) CO CO XXXX XXXX reports `` OK '' while others report Charge Off ( " CO '' ). 
High Credit {$1600.00} {$0.00} {$1600.00} Experian incorrectly reports {$0.00} for High Credit. 
Last Reported Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an earlier Last Reported Date. 
Date Last Active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an earlier Date Last Active compared to the others. 
Comments '' Charged off ... '' '' Closed due ... '' '' Charged off ... '' Comments are inconsistent across bureaus. 

Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.

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 non-monetary relief