Consumer complaint received 2025-02-09 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Reporting for XXXX XXXX XXXX XXXX Account Dear Credit Bureau Representative, I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX XXXX account as shown on my credit report. The discrepancies listed below represent violations of the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. If the errors can not be validated or corrected, I am requesting the deletion of this account. 

Disputed Account Details Creditor Name : XXXX XXXX ( XXXX ) Account Number : [ XXXX ] Balance : {$0.00} Date Opened : XX/XX/XXXX Reporting Bureaus : TransUnion XXXX Experian, XXXX Inaccuracies and FCRA Violations 1. Inconsistent Account Status Reporting ( Violation of FCRA 623 ( a ) ( XXXX ) ) TransUnion and Experian report the account as Paid, while XXXX lists it as Derogatory despite the account being settled and showing a {$0.00} balance. 
Requested Action : Correct the account status to reflect Paid or delete the account if accurate reporting can not be provided.

2. Incorrect Credit Limit Reporting XXXX XXXX ) ( Violation of FCRA 623 ( a ) ( 1 ) ) XXXX incorrectly reports a credit limit of {$0.00}, while the correct limit as shown by TransUnion and Experian is {$300.00}. 
Requested Action : Correct the credit limit to reflect {$300.00} or delete the account if verification fails. 
XXXX. Conflicting Comments ( Violation of FCRA 623 ( a ) ( 1 ) ) The comments on the account differ across the bureaus, with TransUnion and Experian stating legally paid in full for less than the full balance, and XXXX stating Settlement accepted and Paid charge-off. These discrepancies cause confusion about the settlement and status of the account. 
Requested Action : Ensure consistent comments across all bureaus or delete the account if accurate reporting can not be verified. 
4. Inconsistent Dates of Last Payment and Last Activity ( Violation of FCRA 623 ( a ) ( 1 ) ) TransUnion and Experian report XX/XX/XXXX as the date of the last payment and activity, while XXXX reports XX/XX/XXXX. The discrepancies must be corrected to ensure accurate reporting. 
Requested Action : Verify and correct the last payment and activity dates or delete the account if accurate dates can not be confirmed. 

CFPB Legal Precedent and Considerations The Consumer Financial Protection Bureau ( CFPB ) has taken legal action against credit bureaus, including Experian and XXXX, for failure to properly investigate consumer disputes and correct inaccurate reporting. Given these legal precedents, I expect full compliance with the FCRA when handling my dispute. 

Requested Actions 1. Correction of Account Status : Correct the status to reflect Paid or delete the account if validation fails.

2. Correction of Credit Limit XXXX XXXX ) : Correct the credit limit to {$300.00} or delete the account if verification is not possible. 
3. Correction of Inconsistent Comments : Ensure that the comments accurately reflect the settlement details and are consistent across all bureaus.

4. Correction of Last Payment and Last Activity Dates : Verify and correct the dates of last payment and last activity or delete the account if accurate dates can not be verified.

5. Written Confirmation of Resolution : Provide a written response regarding the outcome of the investigation within the 30-day period required under FCRA 611 ( a ). 

Supporting Documentation Copy of credit reports highlighting the errors Drivers License Social Security Card Failure to correct or remove the inaccurate information within the legally required timeframe may result in further escalation through the CFPB or legal action. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

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