Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of several items on my credit report issued on [ Report Date ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. Please investigate and remove or correct the following items promptly. Below, I have listed the accounts in question, their inaccuracies, and the applicable FCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Error : Balance discrepancies : XXXX : {$510.00} Experian : {$580.00} XXXX : $ XXXXViolation : FCRA 1681e ( b ) - Failure to ensure maximum possible accuracy of reported data.Requested Action : Verify and correct balance or delete if unverifiable. 

XXXXXXXX XXXX XXXX ( Account # XXXX ) **Error : Past due balance of {$80.00}, marked as Late 30 Days despite being disputed.Violation : FCRA 1681s-2 ( b ) - Failure to update and correct disputed information.Requested Action : Remove the past-due balance or the entire account if it can not be verified. 

XXXX. XXXX XXXX ( Account # XXXX ) **Error : Charged-off account with a reported past-due amount of {$120.00}, conflicting Collection/Chargeoff statuses across bureaus.Violation : FCRA 1681i - Failure to investigate and correct errors after a dispute.Requested Action : Delete the account or ensure the status is accurately reflected across all bureaus. 

XXXX. XXXX XXXX ( Account # XXXX ) **Error : Account is reported as both Derogatory and Paid, creating a conflicting status.Violation : FCRA 1681c ( a ) - Reporting of misleading or inaccurate information.Requested Action : Verify and correct or delete the account. 

XXXX. Bankruptcy InformationError : XXXX XXXX Bankruptcy marked as Dismissed with conflicting remarks across all bureaus.Violation : FCRA XXXX681c ( a ) ( 1 ) - Reporting outdated or misleading public record information.Requested Action : Remove or correct public record details.

Damages and Notice of Legal Remedies Legal Basis for This Dispute 1. Violation of 15 USC 1681b ( 2 ) : You must have a permissible purpose and proper authorization to disclose or maintain my consumer information, including any alleged bankruptcy. You have failed to demonstrate compliance with this requirement. 
2. Violation of 15 USC 1681q : Reporting or maintaining inaccurate information without proper validation constitutes a willful misrepresentation of my credit data, which is considered fraudulent.

3. Violation of 18 USC 1028A : The improper handling or dissemination of personal data, including the unverified bankruptcy entry, may fall under identity theft or fraud statutes, subjecting violators to significant penalties.

4. Violation of 15 USC 1681c-2 : Under federal law, you are required to block fraudulent information upon my dispute. You have not complied with this requirement despite the disputed nature of this entry. 

Each violation of the above laws constitutes grounds for a statutory fine of {$1000.00} per instance, which I intend to pursue if this matter is not resolved promptly. Additionally, I reserve the right to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action. 

XXXX XXXX ( Account # XXXX ) **Error : Account is reported as Derogatory but shows no past due amounts, creating confusion in the status.Violation : FCRA 1681e ( b ) - Failure to ensure maximum possible accuracy.Requested Action : Clarify account status or remove if unverifiable. 

XXXX XXXX XXXX XXXXXXXX ( Multiple Accounts ) Error : Accounts marked as Resolved Dispute but consumer disagrees with resolution.Violation : FCRA 1681i - Failure to conduct a proper reinvestigation.Requested Action : Reinvestigate disputes or remove the disputed accounts. 

XXXX. XXXX ( Account # XXXX ) Error : Account listed as Paid but linked to XXXX XXXX XXXX, leading to a conflicting narrative.Violation : FCRA 1681e ( b ) - Inconsistent account reporting.Requested Action : Correct the status or delete the account. 

XXXX. XXXX XXXX ( Account # XXXX ) **Error : Account marked as Wage Earner Plan and Derogatory despite being disputed and resolved.Violation : FCRA 1681s-2 ( a ) - Furnishing inaccurate information.Requested Action : Verify or remove.

Per the FCRA, I expect you to : Conduct a thorough investigation of these items. 

Provide me with a written response detailing the results of your investigation. 

Correct or delete any unverifiable or inaccurate information. 

Send me an updated copy of my credit report. 

If the disputed items are not resolved to my satisfaction, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) for further review. Please be advised that I have also copied this letter to the CFPB for documentation purposes. 

I have attached a copy of my credit report with the disputed items highlighted, as well as identification documents to verify my identity ( e.g., drivers license, utility bill ). 

Thank you for addressing this matter promptly. I look forward to your response within the 30-day period mandated by the FCRA. Please contact me by mail at the address listed above or by phone at [ Your Phone Number ] if you require additional information. 

Sincerely, 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