Consumer complaint received 2024-11-19 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: NY

Complaint narrative:
I am writing to formally dispute the reporting of a XXXX account on my credit report that I believe is incorrect and being re-aged. The account is listed with a past due balance of {$370.00}, and the date opened is XX/XX/XXXX. The most recent date reported is listed as XX/XX/XXXX, which appears to be an attempt to re-age the debt. This date suggests recent activity, even though the debt is still under dispute. 

Key Points : Account Details : Creditor : XXXX Balance : {$370.00} ( Past Due ) Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX ( which seems to be a recent reporting date for a debt that should not have this activity ) Re-Aging of Debt : The date reported of XX/XX/XXXXXXXX  is being used in such a way that it could extend the negative impact of the debt on my credit report. This reporting could give the impression that the debt is more recent than it truly is, especially if there was a significant period of inactivity on the account. 
Re-aging the debt through a new date reported resets the timeline, potentially causing the debt to remain on my credit report longer than it should, and continuing to impact my credit score. 
My Rights Under the Fair Credit Reporting Act ( FCRA ) : Accuracy and Integrity of Information ( Section XXXX ) : The FCRA requires that information reported to credit bureaus be accurate, up-to-date, and complete. The date reported is misleading and does not reflect the actual status of the account. This misrepresentation of dates is a violation of the FCRA 's requirement for accurate reporting. 
Dispute of Inaccurate Information ( Section 611 ) : I am currently disputing this debt, and I have contacted the creditor to resolve the issue. Reporting the account with a new date when there has been no recent activity or agreement on the debt is not only misleading, but it also interferes with my right to accurate credit reporting. 
Right to Deletion of Inaccurate Information ( Section 605 ) : Under the FCRA, if a debt is reported inaccurately or if the creditor can not verify the information, I have the right to request that the debt be deleted from my credit report. 
Request for Correction or Deletion : I am requesting that the date reported for this account be corrected to reflect the correct status of the debt. If XXXX can not validate the debt as accurately reported, I ask that it be removed from my credit report entirely. 

This account is actively being disputed, and I assert that any attempts to re-age the debt through an incorrect date reported are a violation of my rights under the FCRA. Please correct this error and ensure that any future reporting of this account is accurate and in compliance with the law. 

Conclusion : Please take immediate action to correct the date reported for this account or remove the account entirely if it can not be validated. I appreciate your prompt attention to this matter and expect a response with confirmation of the resolution. If you require further documentation or clarification, feel free to contact me. 

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