Consumer complaint received 2025-01-12 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: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccuracies and inconsistencies within my credit reports as maintained by XXXX, Experian, and XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), and I request your intervention to ensure that my rights as a consumer are upheld. Below, I have detailed the disputed accounts, the inaccuracies, and the corrective actions requested. Disputed Accounts : XXXX. XXXX XXXX XXXX Inaccuracies : Discrepant balances Payment status inconsistencies FCRA Violation : Section 607 ( b ) ( Accuracy Obligation ), Section 609 and Section 611 ( Verification ). Action Requested : I request immediate verification of the balance and payment status. If verification can not be completed, I demand removal of this account. XXXX. XXXX XXXX XXXX  XXXX Inaccuracies : XXXX exceeds credit limit, creating inaccurate utilization. FCRA Violation : Section 609 and Section 607 ( b ). Action Requested : Please verify the credit utilization and payment history for accuracy or remove this account from all reports. 3. Grain Technology Inaccuracies : Payment status inconsistencies FCRA Violation : Section 607 ( b ) and Section 611. Action Requested : I demand immediate verification or deletion of this account. 4. Lead Bank Inaccuracies : Varying levels of late payments across bureaus. FCRA Violation : Section 609 and Section 607 ( b ). Action Requested : Please verify the late payments or remove this account from all credit reports. XXXX. XXXX XXXX Inaccuracies : Payment status Missing or inconsistent details in the XXXX payment history across bureaus. FCRA Violation : Sections 607 ( b ) and 609. Action Requested : Verify the payment history and status for this account. If discrepancies can not be resolved, I demand its removal. XXXX. XXXX ( XXXX ) Inaccuracies : Balance : {$XXXX} reported as exceeding the credit limit of {$XXXX}. Payment status : Continuous charge-offs reported across all bureaus. Derogatory events vary between bureaus. FCRA Violation : Sections 605 ( a ) ( 5 ), 607 ( b ), and 609. Action Requested : I request verification of the charge-off reporting and utilization accuracy. If verification can not be completed, the account should be removed. XXXX. Accion Inaccuracies : Payment status XXXX : {$XXXX} with utilization exceeding XXXX  %. FCRA Violation : Sections 607 ( b ) and 609 Action Requested : I request verification of the balance and payment status. If the information is unverifiable, I demand the account be removed. 8. XXXX  XXXX ( Account Ending in XXXX ) Balance : {$XXXX} ( Charged-off, past due ). Issues : The account has been reported as charged-off and past due for over XXXX  months without proper validation of the debt. FCRA Violations : Section 611 : Failure to verify the account. Section 623 ( a ) : Reporting inaccurate and unverifiable information. XXXX Requested : Remove this account from my credit report due to its unverifiable status. XXXX. XXXX  XXXX ( Account Ending in XXXX ) Balance : {$XXXX} ( Charged-off, past due ). Issues : The reported past due amount is inconsistent across bureaus, and the balance remains unverifiable. FCRA Violations : Section 607 ( b ) : Inaccurate reporting of the balance and past due amounts. Section 623 ( b ) : Failure to verify disputed information. Action Requested : Remove this account due to inconsistent reporting. XXXX. XXXX  XXXX ( Account Ending in XXXX ) Balance : {$XXXX} ( Charged-off, past due ). Issues : Payment status and balance reporting inconsistencies across bureaus. FCRA Violations : Section 623 ( a ) ( 1 ) : Inaccurate and unverifiable reporting. Action Requested : Remove this account due to its unverifiable discrepancies. XXXX. XXXX  XXXX ( Account Ending in XXXX ) Balance : {$XXXX} ( Charged-off, past due ). Issues : Disputed charge-off balance and lack of validation. FCRA Violations : Section 611 : Failure to verify the debt. Section 623 ( a ) : Reporting unverifiable charge-off balances. Action Requested : Remove this account for non-compliance with FCRA validation requirements.

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