Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute for Inaccurate Information on Credit Report Account # XXXX Dear Experian Dispute Department, I am writing to formally dispute inaccurate information reported on my credit file with Experian for the account with Account # XXXX. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit information, and I have identified several inconsistencies that need correction. 

Inaccuracies and Discrepancies Identified 1. Date Opened Discrepancy Experian Reported Date Opened : XX/XX/XXXX Inconsistency : This date does not align with other reports and may impact the reported timeline of the account. 
FCRA Citation : [ Section 609 ( 15 U.S.C. 1681g ) ] ensures that I am entitled to accurate reporting. Please correct the date opened to ensure consistency across all bureaus. 
2. High Credit Discrepancy Experian Reported High Credit : {$0.00} Inconsistency : This is inconsistent, as other bureaus report a high credit amount. Please verify and correct this figure. 
FCRA Citation : Per [ Section 623 ( 15 U.S.C. 1681s-2 ) ], data furnishers are required to report accurate and complete information. 
3. Balance and Credit Limit Accuracy Reported Balance : {$1900.00} Reported Credit Limit : {$1400.00} Inconsistency : The reported balance exceeds the credit limit, which may affect my credit utilization rate. Please verify the accuracy of both amounts. 
FCRA Citation : Under [ Section 611 ( 15 U.S.C. 1681i ) ], I have the right to dispute inaccurate information. This balance should be corrected to reflect accurate utilization. 
4. Comments Section Discrepancy Experian Comments : Customer disputed account - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
Inconsistency : The comments differ between bureaus, creating confusion regarding the accounts status. It is essential that all comments accurately reflect the current status. 
FCRA Citation : Per [ Section 609 ( 15 U.S.C. 1681g ) ], Experian is obligated to ensure accuracy and consistency in reporting. 
5. Date Last Active Discrepancy Experian Reported Date Last Active : XX/XX/XXXX Inconsistency : The date of last activity does not match other reports, which could impact how long the account remains on my report. 
FCRA Citation : Under [ Section 623 ( 15 U.S.C. 1681s-2 ) ], Experian must accurately report the date of last activity. I request that this information be updated for consistency. 
6. General Consistency Across Bureaus Issue : The report contains multiple discrepancies between Experian and other credit bureaus, indicating potential reporting errors. 
FCRA Citation : As provided by [ Section 611 ( 15 U.S.C. 1681i ) ], I am entitled to dispute and correct inaccurate information on my report. Please investigate and ensure that all information aligns accurately with data from other bureaus. 

Action Requested In accordance with the Fair Credit Reporting Act, I respectfully request that Experian investigate these discrepancies and update my credit report to reflect accurate and consistent information. Please notify me of the resolution of each item, and provide a revised credit report showing the changes. 

Enclosed with this letter are copies of my credit report and any relevant documentation. Thank you for your prompt attention to these matters. I look forward to receiving confirmation that these inaccuracies have been addressed.

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