Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Complaint Regarding Inaccurate Credit Reporting Under Section 807 of FDCPA and FCRA** To Whom It May Concern, I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX on my credit report. My name is XXXX XXXX XXXX, and my credit report includes a potentially damaging entry that I believe violates several provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The account in question is as follows : **Account Name : ** XXXX XXXX XXXX **Account Number : ** XXXX **Account Type : ** XXXX XXXX **Responsibility : ** Joint **Date Opened : ** XX/XX/XXXX **Status : ** Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
**Status Updated : ** XX/XX/XXXX **Balance : ** {$10000.00} **Balance Updated : ** XX/XX/XXXX **Original Balance : ** {$12000.00} **Terms : ** XXXX  Months **On Record Until : ** XX/XX/XXXXXXXX XXXX XXXX XXXX # Payment History : - **Charge Offs : ** XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX Days Past Due : ** XXXX XXXX - XXXX Days Past Due : ** XX/XX/XXXX - XXXX Days Past Due : ** XX/XX/XXXX Laws Violated : 1. **Fair Debt Collection Practices Act ( FDCPA ) : Section 807 ( 15 U.S. Code 1692e ) prohibits the use of any false, deceptive, or misleading representation in connection with the collection of any debt. The reported status and balance of this account contain inaccuracies that are misleading and harm my creditworthiness.

2. Fair Credit Reporting Act ( FCRA ) : - Section 611 ( 15 U.S. Code 1681i ) : Requires that credit reporting agencies investigate disputed information.

- Section 623 ( 15 U.S. Code 1681s-2 ) : Requires furnishers of information to provide accurate information to credit reporting agencies.

- **Permissible Purpose ( 15 U.S. Code 1681b ) : ** The continued inaccurate reporting suggests that my credit information is being mishandled, possibly shared or utilized without a permissible purpose.

These inaccuracies are damaging my credit score and my ability to secure future credit. I have the following specific complaints : - **Inaccurate Balance Reporting : ** The reported balance of {$10000.00} is incorrect and should be updated to reflect the true amount, if any.

- **Status Errors : ** The charge-off status and past due amounts are inaccurately reported for several months. 


XXXX XXXX for XXXX XXXX XXXX : - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX look forward to your prompt resolution of this matter. 

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 non-monetary relief