Consumer complaint received 2024-07-31 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: MA

Complaint narrative:
- XXXX XXXX **Account # : ** XXXX - **Account Type : ** Revolving - Individual - **Balance : ** {$0.00} - **High Credit : ** {$0.00} - **Last Reported : ** XX/XX/XXXX - **Date Last Active : ** XX/XX/XXXX - **Date Opened : ** XX/XX/XXXX - **Payment Status : ** Charge-off - **Comments : ** Indeterminate - **Credit Limit : ** {$0.00} According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ), furnishers of information have a duty to provide accurate information : 1. **Prohibition on Reporting Information with Actual Knowledge of Errors : ** - As per Section 623 ( a ) ( 1 ) ( A ), 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.

2. **Prohibition on Reporting Information After Notice and Confirmation of Errors : ** - According to Section 623 ( a ) ( 1 ) ( B ), a person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer that specific information is inaccurate and the information is, in fact, inaccurate.

I have identified the following inaccuracies in the reported information : 1. The account balance and high credit are reported as {$0.00}, which is inconsistent with my records.

2. The payment status is listed as " Charge-off, '' which is inaccurate as the account Because you say the account is a charge card.

3. There is an inconsistency in the account type and status that needs clarification.

I request an immediate investigation into this matter and that the inaccurate information be corrected or removed from my credit report. Please find attached copies of my credit report highlighting the disputed items and any relevant documentation supporting my claim.

Thank you for your prompt attention to this matter. I expect a response within the 15 day period as stipulated by the Fair Credit Reporting Act.

You also say that you verified the account and : Under 15 U.S.C. 5 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) -a notice that, it requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Note : You say that you verified the account and that all the information is accurate and here I send you evidence that you are reporting inaccurate information in the entire account and are violating the laws.

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