Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the reporting of a XXXX account on my credit report that I believe is incorrect and is being re-aged. The account is listed with a balance of {$7200.00}, and the date opened is XX/XX/XXXX. The most recent date reported is listed as XX/XX/XXXX, which reflects a significant discrepancy and appears to be an attempt to re-age the debt. I am currently in the process of disputing this debt, and it is being inaccurately reported, despite my dispute. 

The reporting of this debt raises serious concerns regarding my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that information on a credit report be accurate, up-to-date, and complete. By reporting the account with a date reported of XX/XX/XXXX, XXXX and XXXX are effectively re-aging the debt. This gives the false impression that the debt is more recent than it truly is, and it extends the negative impact of the debt on my credit report, despite the fact that it is still under dispute. 

My Rights Under the FCRA : Right to Accurate Information ( Section 607 ) : The FCRA mandates that the information reported by credit reporting agencies must be accurate and complete. Reporting the date opened as XX/XX/XXXX and the date reported as XX/XX/XXXX, which suggests recent activity, is an inaccuracy. This report misrepresents the status of the debt and gives the impression that it is newer than it is. 

Right to Dispute Inaccurate Information ( Section 611 ) : I am actively disputing this debt, and I have already communicated with XXXX regarding the incorrect information. The debt should not be reported as more recent than it is, nor should it be re-aged. 

Right to Delete Inaccurate Information ( Section 605 ) : If a debt is inaccurately reported, I have the right to request its removal. This debt is being reported as an open and active debt, and the date reported appears to be an attempt to reset the timeline, which I believe is a violation of my rights under the FCRA. The reporting of this account as re-aged is misleading and should be removed from my credit report. 

Request for Correction : I request that this account be corrected immediately. The date reported must be updated to accurately reflect the correct reporting period. If XXXX can not provide verification of this account 's current status or demonstrate that the debt is accurate and valid, I request that it be deleted from my credit report entirely. 

I also ask that XXXX investigate this issue and ensure that all future reporting of this account is accurate, complete, and in compliance with the Fair Credit Reporting Act. 

Please confirm that this issue has been resolved, and provide me with a written explanation of any actions taken. If you require any additional information or documentation to process my dispute, please do not hesitate to contact me. 

Thank you for your attention to this matter.

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