Consumer complaint received 2024-08-21 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: GA

Complaint narrative:
Subject : Notice of Claim and Request for Deletion of Inaccurate Information To Whom It May Concern : This notice is to inform you of several potential violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws regarding the reporting of my account with XXXX XXXX XXXX, account number XXXX. I am also formally requesting the deletion of this inaccurate information from my credit report. Below are the issues identified : 1. Inaccurate Reporting of Account Status : The account is incorrectly reported as both " closed '' and " charged off '' with a balance of {$17000.00}. Reporting the account as closed should indicate no further balance, yet the full balance is still being reported as due. 
The status was last updated in XX/XX/XXXX, yet a balance is reported as of XX/XX/XXXX, which is inconsistent and misleading. 
Violation Reference : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) - " Duty to Furnish Accurate Information '' : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

12 C.F.R. 1022.42 ( a ) - " Accuracy and Integrity of Information '' : Furnishers of information must have reasonable policies and procedures in place to ensure the accuracy and integrity of the information provided to consumer reporting agencies.

2. Incorrect Balance Reporting : The balance is reported as {$17000.00} with the full amount past due, even though the account is noted as charged off. Typically, a charged-off account should not reflect a past due amount in this manner. 
Violation Reference : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) - " Duty to Correct and Update Information '' : If a person who furnishes information to a consumer reporting agency determines that information previously provided is not complete or accurate, the person shall promptly notify the consumer reporting agency of that determination.

12 C.F.R. 1022.42 ( b ) - " Correcting Inaccuracies '' : Information must be corrected or updated promptly if it is found to be inaccurate.

3. Payment History Reporting : The payment history shows multiple months as CO ( Charge Off ) and then has gaps marked as ND ( No Data ). This incomplete reporting may violate the FCRAs requirements for accurate and complete information. 
Violation Reference : 15 U.S.C. 1681s-2 ( a ) ( 2 ) - " Duty to Correct Incomplete or Inaccurate Information '' : The person must correct any information that is incomplete or inaccurate, including the removal of negative information that can not be verified.

12 C.F.R. 1022.43 ( e ) - " Accuracy of Reported Information '' : Reporting should be accurate and complete, avoiding omissions that may create a misleading impression.

4. Failure to Correct Information : If XXXX XXXX XXXX was previously informed of these inaccuracies and failed to correct the information in a timely manner, this could be a violation of the FCRA. 
Violation Reference : 15 U.S.C. 1681s-2 ( b ) - " Duties of Furnishers of Information upon Notice of Dispute '' : Upon receiving notice of a dispute regarding the completeness or accuracy of any information, the furnisher must investigate and correct the information if necessary.

12 C.F.R. 1022.43 ( d ) - " Prompt Correction '' : The furnisher must promptly correct and update any inaccurate information once it is brought to their attention. 
Request for Deletion : Due to the inaccuracies and the potential violations outlined above, I am requesting the immediate deletion of this account from my credit report. The erroneous reporting has caused significant harm to my creditworthiness, and I seek the removal of all related data from the credit reporting agencies. 
Next Steps : I request that XXXX XXXX XXXX promptly investigate these issues and correct all inaccuracies by deleting the account information from my credit report. Please confirm in writing within 15 days that these errors have been corrected and that the account has been removed from my credit report. 
If this issue is not resolved within 15 days, I may seek legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities, and consider pursuing damages under the FCRA.

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