Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to file a formal dispute regarding the inaccurate reporting of my account with XXXX XXXX ( Account Number : XXXX ) on my credit report. The account is currently showing erroneous information, and I believe the reporting does not comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the following issues need to be addressed : Account Information : Company Name : XXXX XXXX Account Number : XXXX Contact Information : Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX Issues : XXXX. Incorrect Payment History : My credit report inaccurately reflects my payment history with several entries marked as XXXX for payments from XX/XX/XXXX to XX/XX/XXXX, despite having made regular payments. 
XXXX. XXXX XXXX Reported : The payment amounts and actual payments listed for months such as XX/XX/XXXX, XX/XX/XXXX, and several others show XXXX payments, which is not accurate. I have consistently made payments towards this account as shown in the actual payment column ( e.g., XXXX in XXXX  2024, XXXX  in XX/XX/XXXX ), but these do not reflect accurately in the credit report. 
XXXX. Balance Reporting Errors : The reported balance of {$1500.00} on my credit report for the account remains unchanged across multiple months, including XX/XX/XXXX, XX/XX/XXXX, and several others. I have reason to believe this balance is incorrect and does not reflect the actual status of my account. 
4. Credit Limit Misrepresentation : While the credit limit is listed as {$5000.00}, no detailed breakdown of how payments impact the limit is shown correctly, contributing to confusion and incorrect reporting. 

Legal Basis for Dispute : This complaint is filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 - 1681x, which mandates that consumer credit reports be accurate and complete. Specifically : 15 U.S.C. 1681e ( b ) : Requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy in the reporting of information.

15 U.S.C. 1681i : Mandates that consumers have the right to dispute inaccurate information, and the credit reporting agency must investigate and correct or delete any information that is found to be incorrect.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires that companies providing information to credit reporting agencies ensure the accuracy of the information. 
ormation remains incorrect. 

Desired Resolution : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate the inaccuracies in this accounts reporting. I seek the following resolutions : 1. Correct the payment history and actual payment amounts listed on my credit report.

2. Update the balance to reflect the accurate amount owed, not the incorrect balance of {$1500.00}.

3. Ensure the payment history is accurately displayed with the correct amounts for each period, and no XXXX entries.

4. Request that XXXX XXXX comply with 15 U.S.C. 1681 - 1681x by updating and maintaining accurate credit information.

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