Consumer complaint received 2025-05-30 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: MI

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 
Attn : Credit Reporting Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Re : Formal Billing Error and Credit Reporting Dispute XXXX XXXX XXXX  Account Account Number : [ Insert Account Number NOTICE OF BILLING ERROR & DEMAND FOR CORRECTION Pursuant to 15 U.S.C. 1666 and 15 U.S.C. 1681s-2 To Whom It May Concern : This is a formal dispute and notice of billing error pursuant to 15 U.S.C. 1666 ( Fair Credit Billing Act ), and a dispute of inaccurate information under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ). 

Upon review of my credit reports from Equifax, Experian, and TransUnion, I have discovered inaccurate and duplicative negative reporting on the above-referenced XXXX credit builder account. Specifically : 1. Late payments are inaccurately reported for multiple consecutive months, despite payment records showing full and timely payments made during the contested periods.

2. Two charge-offs are being reported on the same tradeline, which is inconsistent with standard reporting practices and constitutes a form of double jeopardy in credit reporting.

3. The tradeline lacks proper notation reflecting any consumer dispute, which is a direct violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 3 ).

4. No validation has been sent to me in compliance with my consumer rights, and no evidence has been provided that a proper investigation occurred prior to reporting adverse information.

These entries are not only materially false and misleading, but they also present an inaccurate representation of my creditworthiness and violate the federal laws governing credit and billing error reporting.

LEGAL BASIS FOR THIS DISPUTE 15 U.S.C. 1666 Requires creditors to promptly investigate and correct billing errors within 60 days of receiving a written dispute. The erroneous reporting of multiple charge-offs and unexplained late payments constitutes such an error. 

15 U.S.C. 1681i Requires consumer reporting agencies to reinvestigate disputed information and correct inaccuracies within 30 days.

15 U.S.C. 1681s-2 ( b ) Mandates furnishers of information ( such as XXXX  ) to conduct a reasonable investigation upon notice of dispute and to correct or delete inaccurate, incomplete, or unverifiable information.

CFPB Regulation V Reinforces obligations under the FCRA, including the need for accurate, complete, and non-misleading reporting. 

You are hereby placed on notice that failure to perform these corrections within the timeframe provided by law may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency, in addition to a civil action pursuant to 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 

Please consider this communication a formal billing error notice under the Fair Credit Billing Act and a qualified written dispute under the FCRA. 



Enclosures : Copy of recent credit report ( s ) showing disputed entries Government-issued ID Proof of address Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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