Consumer complaint received 2024-12-31 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  Inaccuracies 1. Charge-Off Status and Payment History : o The account is listed as " Collection/Chargeoff '' with a balance of {$1700.00}, yet the payment history for XXXX shows mostly " OK '' statuses leading up to the charge-off. 
o Specific months ( e.g., XXXX, XXXX, XX/XX/XXXX ) are marked as 90, 60, and 30 days late, but these are inconsistent with prior " OK '' statuses. 
2. Future Reporting Date : o XXXX lists a " Last Reported '' date of XX/XX/XXXX, which is in the future and violates the FCRArequirement for timely reporting. 
3. Credit Limit Reporting : o The Credit Limit is shown as {$0.00}, which is inconsistent with the High Credit of {$1700.00}. 
4. Incomplete Reporting Across Bureaus : o No data is reported for XXXX or Experian, leaving the report incomplete and inconsistent. 
5. Consumer Dispute Information : o The report does not include any comments or resolutions for disputes, even though the account has derogatory marks. 
6. Date of Last Activity vs. Last Payment : o XXXX : The " Date Last Active '' and " Date of Last Payment '' are both reported as XX/XX/XXXX, but this contradicts the late payment timeline, which shows discrepancies before this date. 


XXXX XXXX  Inaccuracies in the Report 1. Charge-Off Status and Payment History : o XXXX and XXXX : The account is marked as " Collection/Chargeoff '' with a balance of {$7800.00} and a past due amount of {$7800.00}. 
o Experian : The account is marked as " Collection/Chargeoff '' with a balance of {$0.00}, which contradicts the other bureaus. 
o Payment History : XXXX shows consistent " OK '' for prior months, contradicting the charge-off status. 
Experian shows " 150 days late '' for several months but does not provide a clear resolution for when the account went into charge-off status. 
XXXX payment history shows " OK '' prior to the charge-off, which is inconsistent. 
2. Credit Limit Discrepancy : o XXXX and XXXX : Report a credit limit of {$6900.00}, which aligns with the high credit of {$7800.00}. 
o Experian : Reports a credit limit of {$0.00}, which contradicts the other bureaus. 
3. Future Reporting Date : o XXXX : " Last Reported '' date is XX/XX/XXXX. 
o Experian : " Last Reported '' date is XX/XX/XXXX. 
o XXXX : " Last Reported '' date is XX/XX/XXXX. 
o These future dates violate FCRA 's timeliness and accuracy requirements. 
4. Dispute Comments : o XXXX : States, " Charged off as bad debt ; Profit and loss write-off, '' but no supporting documentation is provided. 
o Experian : Includes, " CONSUMER STATEMENT Y ITEM DISPUTED BY CONSUMER, '' with no resolution provided. 
o XXXX : No specific comments regarding disputes, making it incomplete. 
5. Date of Last Payment vs. Last Activity : o XXXX : Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. 
o Experian : Date Last Active : XXXX, Date of Last Payment : XX/XX/XXXX. 
o XXXX : Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. 
o The inconsistencies across these dates require clarification. 



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