Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
Subject : Urgent Dispute of Credit Report Inaccuracies regarding XXXX XXXX XXXX for Deletion and Notification of Legal Rights I am writing to dispute the inaccuracies related to my account with XXXX XXXX as reported on my credit report. My personal information is as follows : Upon reviewing my credit reports from Experian, TransUnion, and Equifax, I found the following significant inaccuracies regarding my account with XXXX XXXX that violate the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX  Inconsistent Reporting of Account Status XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX reports the account status as " Current '' as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows the account status as " 30 days late '' for XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX indicates the account as " 60 days late '' for XX/XX/XXXX. 

- * * Inaccurate Account Balances XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX shows a balance of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports a balance of XXXX XXXX  {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of XXXX XXXX  {$2800.00XXXX XXXX XXXX 

These conflicting balances misrepresent my financial obligations and violate the accuracy requirement of the FCRA. 

XXXX XXXX XXXX Conflicting Late Payment Records XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX lists XXXX XXXX XXXX XXXX XXXX  late payment recorded on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports XXXX XXXX XXXX XXXX XXXX late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows XXXX XXXX XXXX XXXX XXXX late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Such discrepancies in the recorded late payments do not accurately reflect my payment history and negatively impact my creditworthiness. 

As mandated by the FCRA, specifically sections 602 ( a ), 609, and 611, you are legally obligated to ensure the accuracy of the information you report and to remove any unverifiable information from my credit report. 

Given these discrepancies, I request that you conduct a thorough investigation into this matter and remove the XXXX XXXX account from my credit report entirely. If you fail to resolve this dispute satisfactorily, I want to make it clear that I am prepared to pursue legal actions to protect my rights, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action in federal court. 

I have enclosed copies of my credit reports with relevant discrepancies highlighted, as well as supporting documentation that validates my claims. I expect a formal response to this dispute within 30 days, as required by the FCRA. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.

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