Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I am formally disputing inaccurate and contradictory information reported on my credit report regarding account numbers associated with XXXX and XXXX XXXX. The information furnished by these creditors is erroneous and violates multiple consumer protection laws, thereby infringing upon my rights. 
Identified Inconsistencies : XXXX Account : Discrepancies in the high balance reported : XXXX and Experian report {$220.00}, while XXXX reports {$190.00}. 
Conflicting dates of last activity : XXXX states XX/XX/XXXX, Experian states XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 
Inconsistent reporting dates : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. 
Inconsistent date opened : XXXX lists XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX. 
Contradictory creditor remarks : XXXX states " Canceled by credit grantor, '' Experian reports " Account has been closed due to inactivity, '' and XXXX mentions " Closed or paid account/zero balance. '' XXXX XXXX Account : Discrepancies in the high balance reported : XXXX and Experian report {$720.00}, while XXXX lists only {$500.00}. 
Conflicting dates of last activity : XXXX states XX/XX/XXXX, Experian states XX/XX/XXXX, and XXXX reports XX/XX/XXXX. 
Inconsistent reporting dates : XXXX reports XX/XX/XXXX, Experian lists XX/XX/XXXX, and XXXX states XX/XX/XXXX. 
Inconsistent date opened : XXXX and XXXX report XX/XX/XXXX, while Experian states XX/XX/XXXX. 
Contradictory creditor remarks : XXXX states " Canceled by credit grantor, '' while Experian and XXXX mention previous disputes now resolved, along with " Closed or paid account/zero balance. '' Late payment history inconsistencies : The payment history contains conflicting records of 30, 60, 90, and even 120-day late payments between the bureaus, creating an inaccurate portrayal of my creditworthiness. 
Legal Basis for the Dispute : Under federal consumer protection laws, I am entitled to accurate and verifiable credit information. Based on the discrepancies above, I request the immediate deletion or correction of the referenced accounts under the following legal provisions : Fair Credit Reporting Act ( FCRA ) Section 609 ( 15 U.S.C. 1681g ) : Grants me the right to access all information in my credit file and demand corrections for inaccuracies.

Section 611 ( 15 U.S.C. 1681i ) : Requires a reasonable reinvestigation of disputed information and mandates deletion if unverifiable within 30 days.

Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Prohibits furnishers from reporting information known to be inaccurate. 
Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Obligates credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Section 611 ( 5 ) ( A ) ( 15 U.S.C. 1681i ( 5 ) ) : Requires removal of information if it can not be verified after reinvestigation.

Truth in Lending Act ( TILA ) Section 1601 ( 15 U.S.C. 1601 ) : Protects against inaccurate reporting of credit account information.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 ( c ) : Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) in consumer financial reporting.

Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( 15 U.S.C. 1692g ) : Requires verification of debts and correction of inaccurate information reported to credit bureaus. 
Relevant Case Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court held that reporting inaccurate information that harms consumers violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Emphasized the obligation of credit reporting agencies to use reasonable procedures to ensure accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : The Court ruled that inaccurate reporting, even without tangible harm, breaches the FCRA when based on erroneous information. 
Request for Immediate Action : Since the information on my credit report is inaccurate and contradictory, I request that within 30 days from the receipt of this letter, you : Delete or correct the erroneous data related to the accounts in question. 
Provide verifiable proof of the accuracy of the reported information or remove the accounts in accordance with the FCRA. 
Notify all credit bureaus reflecting this information so they can make the necessary corrections. 
I appreciate your prompt attention to this matter. I have attached a copy of my identification and any relevant documentation to facilitate your investigation. I expect your written response within the timeframe mandated by law.

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