Consumer complaint received 2025-04-05 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: LA

Complaint narrative:
Letter to Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian XXXX XXXX : XXXX XXXX, Office of the Corporate XXXX XXXX XXXX, CA XXXX Subject : Dispute of Inaccurate Account Information and Request for Removal Account # XXXX Dear Experian Dispute Department, I am writing to formally dispute the accuracy of an account listed on my credit report and to request its immediate removal due to multiple violations of the Fair Credit Reporting Act ( FCRA ). The account in question is with XXXX XXXX XXXX account number XXXX, and is currently reported as an open installment loan with a balance of {$530.00} and a past due amount of {$5.00}. 

Upon reviewing my credit report, I have identified several inconsistencies and potential inaccuracies that violate the FCRAs requirements for accurate and consistent reporting. These issues are as follows : 1. Inconsistent Payment Status Reporting Across Bureaus ( FCRA 623 ) : The payment status for this account is reported differently by each bureau, creating confusion and potential harm to my creditworthiness : XXXX reports the account as 30 days past due. 
Experian reports the account as Past due 30 days. 
XXXX reports the account as Not more than two payments past due.This discrepancy is significant because XXXX reporting suggests a potential 60-day delinquency ( two monthly payments ), which conflicts with the 30-day delinquency reported by XXXX and Experian. Under FCRA 623, both the furnisher ( XXXX XXXX XXXX and the credit bureaus are required to report accurate and consistent information. This inconsistency may mislead creditors and violates my right to an accurate credit report.

2. Inaccurate Delinquency Reporting Relative to Past Due Amount ( FCRA 623 ) : All three bureaus report a past due amount of {$5.00}, yet this small amount is being reported as a 30-day delinquency ( or potentially 60 days by XXXX ) XXXX Given that the monthly payment is {$25.00}, a {$5.00} past due amount does not reasonably justify a 30-day delinquency status. This suggests a potential error in reporting by the furnisher, which the bureaus have failed to correct. This inaccuracy violates FCRA 623, which mandates that furnishers and bureaus ensure the accuracy of reported information.

3. Outdated Information Due to Inconsistent Update Dates ( FCRA 607 ( b ) ) : The dates of last update for this account vary across the bureaus : XXXX : XX/XX/year>. 
Experian : XX/XX/year>. 
XXXX : XXXX earlier update date ( XX/XX/year> ) indicates that its information may be outdated compared to the other bureaus, potentially leading to the reporting of inaccurate or incomplete data. Under FCRA 607 ( b ), credit bureaus are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. This discrepancy suggests a failure to meet that standard.

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