Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my credit report concerning my XXXX account. The details of the account are as follows : Account Name : XXXX  Account Number : XXXX ( XXXX ), XXXX ( Experian and XXXX ) Account Type : XXXX XXXX ( Line of Credit ) Account Status : Open Balance : {$0.00} Payment Status : Current Date Opened : XX/XX/year> Credit Limit : {$370.00} ( Experian ), {$400.00} ( XXXX ) XXXX {$370.00} ( XXXX ) XXXX : Amount in XXXX XXXX  is credit limit Dispute Reasons : Inaccurate and Inconsistent Reporting of Payment History ( 15 U.S.C. 1681e ( b ) - Fair Credit Reporting Act ) : The information reported by XXXX, Experian, and XXXX regarding my Sezzle account is inconsistent and inaccurate. While the account is marked as " XXXX '' and " XXXX '' with a balance of {$0.00}, past missed payments are incorrectly listed for certain periods. This reporting contradicts the current status and violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. 

Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) : If this dispute has been raised previously, the failure to correct these inaccuracies suggests a lack of a reasonable reinvestigation, as mandated by 15 U.S.C. 1681i. The contradictory reportingshowing the account as " XXXX '' yet reflecting missed paymentsindicates that the information has not been properly verified or corrected. 

Lack of Proper Validation and Notification ( 15 U.S.C. 1681g ) : Under 15 U.S.C. 1681g, I have the right to receive clear and accurate information regarding my credit report. I have not received any proper notification or explanation concerning the reported missed payments, which is a violation of my rights. The presence of this inaccurate information without proper notice or validation further demonstrates non-compliance with the FCRA. 

Potential Negative Impact on Credit Standing Due to Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : The inaccurate listing of missed payments on an account that is marked " Current '' and " Open '' with no past due balance is misleading and negatively impacts my creditworthiness. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if disputed information is found to be inaccurate or can not be verified, it must be promptly deleted or corrected. These entries of missed payments are erroneous and must be removed immediately to avoid further harm.

Request for Immediate Action : Immediate Removal : I demand the immediate removal of any references to missed payments from my credit report related to this XXXX account. Since the account status is " Current, '' there should be no indication of past due payments or missed payment entries. 

Proof of Compliance and Reinvestigation : I request that Experian provide documentation showing that a reasonable reinvestigation was conducted and that all information regarding this account has been verified for accuracy in compliance with federal laws. 

Failure to address this matter promptly will result in formal complaints filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other relevant regulatory bodies. I reserve the right to pursue all legal remedies available to me. 

I expect your prompt attention and resolution of this matter within the timeframe mandated by federal law. 

Thank you for your immediate attention to this serious issue. 

Sincerely, Enclosures : Copy of Credit Report with highlighted inaccuracies Proof of Identity

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