Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX Account # XXXX Inaccuracies and Issues 1. Late Payment Reporting Payment History : o XXXX : " CO '' ( Charge Off ) for several months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
o Experian : " OK '' ( on-time ) for the same months. 
o XXXX : " OK '' ( on-time ) for the same months. 
XXXX reports " Charge Off '' for recent months ( XXXX XXXX ), while Experian and XXXX report " OK '' ( on-time ). This discrepancy may indicate incorrect reporting by XXXX. 
2. High Credit Discrepancy High Credit : o XXXX : {$20000.00} o Experian : {$20000.00} o XXXX : {$7200.00} XXXX reports a significantly lower High Credit amount compared to XXXX and Experian. 
3. Last Reported Date Discrepancy Last Reported Date : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier Last Reported Date compared to Experian and XXXX. This suggests that XXXX may not have updated the account information. 
4. Date Last Active Discrepancy Date Last Active : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX There is inconsistency in the reported Date Last Active across the bureaus, with XXXX reporting the earliest date. 
5. Comments Section Comments : o XXXX : " Payment after charge off/collection. Settled - less than full balance. '' o Experian : " Account legally paid in full for less than the full balance. Unpaid balance reported as a loss by credit grantor. '' o XXXX : " Settlement accepted on this account. Paid charge off. '' Comments are inconsistent across the three bureaus, leading to possible confusion for lenders. 

Summary of Inaccuracies Field XXXX Experian XXXX Issue Late Payments ( XXXX ) CO OK OK XXXX reports Charge Off, while others report on-time payments. 
High Credit {$20000.00} {$20000.00} {$7200.00} XXXX reports a significantly lower High Credit. 
Last Reported Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an outdated Last Reported Date. 
Date Last Active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an earlier Date Last Active compared to the others. 
Comments '' Settled ... '' '' Legally paid ... '' '' Settlement accepted '' Comments are inconsistent across bureaus. 




XXXX XXXX Account # XXXX Inaccuracies and Issues 1. Late Payment Reporting XX/XX/XXXX : o XXXX : OK ( on-time ) o Experian : OK ( on-time ) o XXXX : 30 Days Late XX/XX/XXXX : o XXXX : OK ( on-time ) o Experian : OK ( on-time ) o XXXX : 60 Days Late XX/XX/XXXX : XXXX XXXX : OK ( on-time ) o Experian : OK ( on-time ) o XXXX : 90 Days Late XXXX reports 30, 60, and 90 Days Late for XXXX XXXX XXXX, and XX/XX/XXXX, respectively, while XXXX and Experian show " OK '' ( on-time ) for the same months. This discrepancy suggests potential inaccuracies in XXXX 's reporting. 
2. High Credit and Credit Limit Discrepancy High Credit : o XXXX : {$12000.00} o Experian : {$12000.00} o XXXX : {$11000.00} Credit Limit : o XXXX and Experian : {$11000.00} o XXXX : {$11000.00} The High Credit reported by XXXX is lower than that reported by XXXX and Experian. 
3. Last Reported Date Discrepancy Last Reported Date : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier Last Reported Date compared to XXXX and Experian, which may indicate outdated information., a dispute with XXXX XXXX align the reporting. 
4. Comments Section Comments : o XXXX : " Paying partial payment agreement. '' o Experian : " Closed or paid account/zero balance. '' o XXXX : " Paying under a partial payment agreement. '' Comments are inconsistent across the three bureaus, which could cause confusion for lenders. 
Field XXXX Experian XXXX Issue Late Payments ( XXXX ) OK OK 30, 60, 90 Days Late XXXX reports late payments while others report on-time payments. 
High Credit {$12000.00} {$12000.00} {$11000.00} XXXX reports a lower High Credit compared to other bureaus. 
Last Reported Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an earlier Last Reported Date. 
Comments '' Partial payment ... '' '' Closed or paid ... '' '' Partial payment ... '' Comments are inconsistent across bureaus. 




Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 
2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 
3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years. 
4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.

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