Consumer complaint received 2025-01-06 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: DE

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX De XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, D.C. 20038 Subject : Formal Dispute and Request for Deletion of Inaccurate Credit Information Under FCRA Dear Sir/Madam, I am writing to formally dispute inaccuracies present in the credit reports provided by XXXX, Experian, and XXXX. After thoroughly reviewing my credit files, I have identified several discrepancies and errors that violate my rights under the Fair Credit Reporting Act ( FCRA ). As a result of these errors, I am requesting that these accounts be completely deleted from my credit reports. 

Account Information : Account XXXX : XXXX Reported by : XXXX XXXX Experian, XXXX XXXX Creditor : [ XXXX XXXX XXXX  Balance Owed : {$1300.00} ( for all bureaus ) Status : Collection/Chargeoff Date Opened : XX/XX/XXXX Date Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Reasons for Dispute : Inconsistent High Balance Reporting : The high balance for this account is reported inconsistently : XXXX reports a high balance of {$1800.00}, Experian reports {$0.00}, and XXXX reports {$1300.00}. 

Legal Reference : 15 U.S.C. 1681e ( b ) Credit reporting agencies must ensure the accuracy of the information reported. These discrepancies represent violations of that requirement. 

Inconsistent Date of Last Activity : The date of last activity reported for this account differs across the bureaus : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. 

Legal Reference : 15 U.S.C. 1681i ( a ) The FCRA guarantees consumers the right to dispute inaccurate information, and these varying dates can not be verified, which should result in deletion. 

Conflicting Account Status and Late Payment Reporting : This account shows conflicting payment status information : Experian shows the account as 30 days late, 60 days late, and 90 days late after the account was charged off. 

XXXX shows 30 days, 60 days, and 90 days late, but with different reporting dates. 

Legal Reference : 15 U.S.C. 1681e ( b ) Reporting inconsistent payment statuses after charge-off is misleading and creates confusion, which violates the accuracy requirements under the FCRA.

Inconsistent Reporting of Account Closure : XXXX and XXXX reflect the account as closed, but Experian fails to reflect the account closure. 

Legal Reference : 15 U.S.C. 1681e ( b ) Failure to report critical information like the account closure is a violation of the accuracy requirement.

Unverifiable Information : Given the inconsistencies noted above, the reported information can not be accurately verified. The FCRA mandates that unverifiable information be deleted from consumers ' credit reports. 

Requested Resolution : I request that these accounts be completely deleted from my credit reports across XXXX, Experian, and XXXX due to the inaccurate, incomplete, and unverifiable information reported. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit reports. Since these accounts are not accurately reported and can not be verified, I am requesting that they be completely removed from my credit history, not merely updated or corrected.

Immediate deletion of the disputed accounts from my credit reports.

Written confirmation of the removal of these accounts from my credit reports.

Legal Grounds for Deletion : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of the inform
ation they report. The discrepancies in the high balance, last activity date, and account status violate this law.

15 U.S.C. 1681i ( a ) : Consumers have the right to dispute inaccurate or incomplete information, and credit bureaus are required to investigate and delete unverifiable information.

15 U.S.C. 1681i ( a ) ( 5 ) : If an item of information can not be verified, it must be deleted from the consumer 's credit report.

15 U.S.C. 1681c ( a ) : Information that is outdated, unverifiable, or inaccurate must be removed from the credit report in a timely manner.

Please proceed with the deletion of the inaccurate account information as outlined. I would appreciate written confirmation once these items have been removed. If further documentation or information is needed, kindly let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ] XX/XX/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