Consumer complaint received 2025-04-27 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: NY

Complaint narrative:
Subject : Formal Dispute of Inaccurate and Incomplete Information Under the FCRA To : Experian From : XXXX XXXX XXXX XXXX ( Last XXXX Digits ) : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Account in Question : Creditor Name : XXXX  Account Number ( last XXXX ) : XXXX Status Reported : Closed Balance Reported : {$0.00} Remarks : Account Delinquent XXXX  Days Past Due/ Purchased by Another Lender Payment History : Shows XXXX XXXX, XXXX XXXX, XXXX XXXX  Day Lates Past Due Amount : {$0.00} High Credit : {$240.00} Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Times Reviewed : XXXX Dispute Summary : I am formally disputing the completeness, accuracy, and reporting consistency of the above-referenced account. As allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, I am demanding that you immediately investigate and validate the accuracy of this account with the data furnisher ( XXXX XXXX ), and provide me with the following : Specific Dispute Points : - Inaccurate Payment History : The payment history shows severe delinquencies ( up to XXXX  days late ) despite a {$0.00} balance and no valid past due amount. 
This is logically inconsistent and may indicate a data reporting error or outdated status. 

- Remarks Conflict with Status : Purchased by Another Lender and Closed with a {$0.00} balance yet also marked as delinquent and Late Over 120 Days. 
These statuses are mutually exclusive and therefore unverifiable or misleading. 
Missing or Incorrect Information : -The account lacks clarity on : Actual charge-off date Transfer date to other lender - Who the new owner is Whether it is still being reported by Comenity or was sold to another furnisher These blanks violate FCRA 609 ( a ) ( 1 ) which requires full, accurate disclosure of all account data.

- Potential Duplicate/Outdated Notation : Account appears to have not been updated in over XXXX  years ( Last Activity : XX/XX/XXXX ). 
Under FCRA 605 ( a ), if this delinquency began in XXXX or earlier, it may be nearing the XXXX reporting limit and must be reviewed for early exclusion. 

- No Valid MOV ( Method of Verification ) : If this information was verified previously through an e-Oscar system with the furnisher, I am demanding a manual reinvestigation and physical documentation under FCRA 611 ( a ) ( 7 ).

You must provide me the full Method of Verification ( MOV ) within 15 days of this request. 

My Demands : Immediately conduct a full reinvestigation under FCRA 611.

Provide : 1. The furnishers name, contact, and response 2. Copies of original documents used to verify this account 3. The exact MOV used in your previous verification ( if any ) If the data can not be fully verified : Remove this account from my credit file in compliance with FCRA 611 & 607 ( b ).

Provide a new, corrected copy of my credit report within 30 calendar days, as required by law. 

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