Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Reporting by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Dear XXXX, Experian, and XXXX : I am writing to formally dispute inaccurate and misleading information that Security Credit Services has reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681.

Currently, the account status for this debt collection account is inconsistently reported across the credit bureaus : XXXX and XXXX list the Account Status as Open. 
Experian lists the Account Status as Collection.

This discrepancy in reporting violates several provisions of federal law, including but not limited to : 1. 15 U.S.C. 1681e ( b ) Under this section, credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information. The inconsistent account statuses on my credit report are neither accurate nor consistent, violating this provision. 
2. 15 U.S.C. 1681s-2 ( a ) Furnishers of information, like XXXX XXXX XXXX XXXX have a duty to provide accurate information to the credit bureaus. This requires that information regarding my account status be reported consistently across all bureaus. The current reporting is misleading and fails to reflect the true status of the account. 
3. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) As I have formally disputed this inaccurate reporting, I request that the credit bureaus investigate this matter within the legally required timeframe.

4. 15 U.S.C. 1681s-2 ( b ) Upon receiving notice of this dispute, XXXX XXXX XXXX must conduct an investigation and delete the inaccurate information across all credit reports. 

In addition to the above violations, I believe the inaccurate reporting by XXXX XXXX XXXX has resulted in unnecessary damage to my credit score and my reputation. Under the FCRA, I am entitled to have inaccurate and incomplete information removed immediately. 

I demand that : XXXX. This account be deleted across all credit reports. 
XXXX. You investigate XXXX XXXX XXXX reporting practices and ensure that future reporting complies with the FCRAs standards for accuracy. 
3. This dispute be resolved within the 15-day period as mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

A fair resolution in this case would be to compensate me in the amount of {$1000.00} from each Credit Bureau ( Experian, XXXX, and XXXX ) that reported this account inaccurately, as well as, {$1000.00} from XXXX XXXX XXXX for willfully and knowingly reporting inaccurate and unauthorized personal information that I did not give verbal, non-verbal, or written consent to report any of my personal information to any person or corporation. 

Checks can be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland [ XXXX ] Thank you for your immediate attention to this matter. Please confirm in writing when these corrections have been made. I expect full compliance with the provisions outlined in the Fair Credit Reporting Act and prompt resolution of this dispute in 15 days. 

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