Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXX/XX/XXXXExperian XX/XX/XXXX Dispute Department P.O. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Formal Dispute of Mathematical Error in Credit Utilization Calculation XX/XX/XXXXConsumer Name XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Date of Birth : XX/XX/XXXXXXXXXX/XX/XXXXSocial Security Number : XX/XX/XXXX Last XXXXXX/XX/XXXXReport Date : XX/XX/XXXXXX/XX/year> Dear Dispute Review Team, I am writing to formally dispute a mathematical error in my credit report that violates basic arithmetic principles and adversely impacts my credit score in violation of the Fair Credit Reporting Act 's accuracy requirements. This error can be independently verified using simple mathematical calculation with data contained within my own credit report.

Identification of Mathematical Error My credit report contains contradictory mathematical information that demonstrates an objective calculation error in my credit utilization assessment. Specifically : * * Page 1 of my report states : * * - Credit used : {$260.00} - Credit limit : {$43000.00} * * Page 24 of my report claims : * * - " Ratio of your revolving balances to your credit limits : 11 % '' * * Mathematical verification proves this claim is incorrect : * * {$260.00} {$43000.00} = 0.619 % actual utilization The reported eleven percent utilization represents a 10.38 percentage point overstatement of my actual credit usage ( 11 % - 0.619 % = 10.38 % mathematical error ).

Impact on Credit Score and Financial Standing This mathematical error directly impacts my creditworthiness assessment in ways that violate federal accuracy standards. Credit utilization accounts for approximately thirty percent of FICO score calculations according to Fair Isaac Corporation 's published methodology. Research indicates that utilization rates below one percent typically receive significantly higher credit scoring than utilization rates above ten percent.

This ten-point-four percentage point error likely reduces my credit score by twenty to thirty points, placing me in a " moderate utilization '' risk category when I actually maintain " excellent utilization '' practices. The incorrect calculation causes my credit score to be computed using inappropriate risk assessment parameters that do not reflect my actual credit behavior.

Legal Authority Requiring Correction The Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), requires that you " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Mathematical calculations represent objective facts that can be verified independently without subjective interpretation.

There exists no reasonable procedure that would conclude {$260.00} divided by {$43000.00} equals eleven percent. This calculation error represents a clear violation of the accuracy standards mandated under federal law, particularly given that the error can be verified using data contained within my own credit report.

Supporting Evidence and Documentation I have verified this mathematical error through multiple independent calculation methods : * * Manual verification : * * Using a standard calculator, {$260.00} {$43000.00} = 0.00619 = 0.619 % * * Spreadsheet verification : * * Electronic calculation confirms the same result with additional decimal precision * * Cross-reference verification : * * Review of individual account statements confirms the accuracy of both the total balance ( {$260.00} ) and total credit limit ( {$43000.00} ) figures used in this calculation The mathematical error requires no external investigation because it can be verified entirely using data that Experian has already compiled and reported within my credit file.

Specific Actions Requested I respectfully request that Experian take the following corrective actions within the thirty-day investigation period required under federal law : 1. * * Immediate Mathematical Correction : * * Recalculate my credit utilization ratio using accurate arithmetic : {$260.00} {$43000.00} = 0.619 % 2. * * Credit Score Recalculation : * * Update my FICO score to reflect the corrected utilization ratio, which should result in significant score improvement given the magnitude of the current error 3. * * System Audit : * * Review your calculation methodology to identify how this mathematical error occurred and implement procedures to prevent similar calculation mistakes in future reporting 4. * * Written Confirmation : * * Provide detailed written confirmation that the correction has been completed, including documentation of any credit score changes resulting from the accurate utilization calculation Documentation of Calculation Methodology To ensure complete transparency in this dispute, I am providing the step-by-step mathematical verification that proves the error : * * Step 1 : * * Total revolving credit balances = {$260.00} ( as reported on page 1 ) * * Step 2 : * * Total revolving credit limits = {$43000.00} ( as reported on page 1 ) * * Step 3 : * * Utilization calculation = {$260.00} {$43000.00} = 0.00619 * * Step 4 : * * Percentage conversion = 0.00619 100 = 0.619 % * * Step 5 : * * Comparison to reported figure = 0.619 % vs. claimed 11 % = 10.38 % error This calculation follows standard mathematical principles universally accepted in financial services and specifically matches the utilization calculation methodology published by the Consumer Financial Protection Bureau and Federal Reserve .

Timeline Expectations and Legal Compliance Given that this dispute involves objective mathematical verification rather than subjective account investigation, I expect this correction can be processed more rapidly than disputes requiring extensive creditor communication. The error can be verified and corrected using data already contained within your systems.

Please provide written response within thirty days as required under FCRA Section 611 ( a ) ( 1 ). However, I note that mathematical accuracy represents a fundamental requirement of credit reporting, and delays in correcting objective calculation errors could constitute ongoing violations of federal accuracy standards.

Consumer Rights and Regulatory Oversight I understand my rights under the Fair Credit Reporting Act, including the right to accurate reporting, timely investigation of disputes, and appropriate remediation when errors are identified. Should this mathematical error not be corrected promptly, I am prepared to file complaints with appropriate regulatory agencies, including the Consumer Financial Protection Bureau, and pursue all available remedies under federal law.

Mathematical accuracy in credit reporting is not optional or subject to interpretation. It represents a fundamental requirement that protects consumers from arbitrary or erroneous credit assessments that could impact their access to credit, employment, housing, and other opportunities.

Contact Information and Follow-Up Please direct all correspondence regarding this dispute to : * * Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX  Email Address : * * XXXX I request that all communications regarding this dispute reference the mathematical nature of the error and provide specific information about the correction methodology used to resolve the calculation mistake.

Conclusion This mathematical error represents an objective, verifiable inaccuracy that directly impacts my credit score and financial standing. The error violates federal accuracy requirements and can be corrected through simple arithmetic verification using data already contained within my credit file.

I look forward to your prompt correction of this mathematical error and written confirmation that my credit utilization ratio and credit score now reflect accurate calculations based on my actual credit usage patterns.

Thank you for your immediate attention to this matter. 

Sincerely, 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