Consumer complaint received 2024-10-11 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. XXXX XXXX XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Based on the provided image of the credit report for the XXXX XXXX account XXXX XXXX, Experian XXXX and XXXX, here are the key details to compare and potential inaccuracies to consider disputing : XXXX. Date Opened : XXXX : XX/XX/XXXX/ Experian and XXXX : XX/XX/XXXX. 
Inaccuracy Noted : There is a discrepancy in the opening date reported by XXXX compared to Experian and XXXX. 
XXXX Credit Limit : XXXX and Experian : {$420.00} XXXX XXXX XXXX Consistency : There is a discrepancy in the amounts on XXXX XXXX XXXX and Experian. 
XXXX. Last Reported : XXXX : XX/XX/XXXX / Experian XXXX XXXX : XX/XX/XXXX Inaccuracy Noted : Slight discrepancy in the " Last Reported '' date between XXXX and the other two credit bureaus. 
XXXX. Comments : XXXX : " Charged off as bad debt. Canceled by credit grantor. '' Experian : " Account has been closed due to inactivity. Unpaid balance reported as a loss by credit grantor. '' XXXX : " Account has been closed due to inactivity. Unpaid balance reported as a loss by credit grantor. CONSUMER STATEMENT : ITEM IN DISPUTE BY CONSUMER. '' Inaccuracy Noted : Different comments on XXXX, which could imply a different scenario. The presence of a consumer statement in XXXX but not in others is also notable. 
XXXX. Date Last Active & Date of Last Payment : XXXX : Last Active : XX/XX/XXXX, Last Payment : XX/XX/XXXX Experian : Last Active : XX/XX/XXXX, Last Payment : XX/XX/XXXX XXXX : Last Active : XX/XX/XXXX, Last Payment : XX/XX/XXXX Inaccuracy Noted : The date last active shows significant discrepancies, particularly between XXXX and the other two bureaus, which affects the duration the account remains on the credit report.

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal 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