Consumer complaint received 2024-11-23 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: PA

Complaint narrative:
I am writing to formally dispute the account referenced above. After reviewing my credit report, I have identified numerous violations under federal and state laws, which require this account to be removed from my file immediately. 
The account is a XXXX XXXX account XXXX XXXX This account is being reported inaccurately and is unverifiable, as required under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). Additionally, [ debt collector name ] has failed to comply with its obligations under the Fair Debt Collection Practices Act ( FDCPA ) and Pennsylvania state laws, as outlined below. 

Violations of Federal Laws : 1. Lack of Debt Validation ( FDCPA 15 USC 1692g ) : You have not provided : Proof that I owe this debt.

Signed agreements or original contract with the creditor.

Complete payment history, including itemized statements.

2. Reporting Inaccuracies ( FCRA 15 USC 1681s-2 ) : Inaccuracies include : Wrong Date of Last Payment ( listed as [ Insert Issue ] ).

Reporting as Open instead of Closed for a collection account.

Re-insertion of this account without written notification, violating 15 USC 1681i ( a ) ( 5 ) ( B ).

3. Failure to Notify of Reinserted Information ( FCRA 15 USC 1681i ( a ) ( 5 ) ) : This account was previously removed. Its re-insertion without notice violates federal law.

4. Failure to Verify Disputed Information ( FCRA 15 USC 1681i ) : The credit bureau has not conducted a reasonable reinvestigation, as required.

5. Use of Unverifiable Information ( FCRA 15 USC 1681e ) : Reporting unverifiable data violates the FCRAs requirement to ensure all information is accurate and up to date. 

6. Misrepresentation of Balance and Payment Status : The reported balance does not match the original creditors records, violating 15 USC 1692e ( false and misleading representation ).

7. Failure to Mark the Account as Disputed ( FCRA 15 USC 1681s-2 ( a ) ( 3 ) ) : You failed to mark the account as disputed, misleading future lenders.

8. Harassment and False Representation ( FDCPA 15 USC 1692d and 1692e ) : Reporting this debt without validation and re-reporting it constitutes harassment.

Violations of Pennsylvania State Laws : 1. Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA 73 P.S. 2270.4 ) : Prohibits debt collectors from engaging in unfair or deceptive acts in connection with collection attempts. 
Reporting inaccurate balances and failing to validate the debt violates this act. 

2. Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL 73 P.S. 201-1 et seq. ) : Misrepresentation of account details is considered a deceptive trade practice under Pennsylvania law.

3. Statute of Limitations ( 42 Pa. C.S.A. 5525 ) : The debt is time-barred for legal enforcement if more than 4 years have passed since the Date of Last Activity ( DOLA : [ Insert Date ] ).

4. Failure to Provide Notice of Debt Assignment ( 73 P.S. 2270.4 ( b ) ) : If the debt was sold or assigned to a third-party collector, I was not notified in writing as required by law. 

Specific Issues with This Account : 1. Dates Do Not Match : The Date of Last Activity is inconsistent across bureaus.

The Date Opened on a collection account is misleading, as collections are not new credit obligations.

2. Inconsistent Payment History : Payment history reflects errors, such as reporting OK in certain months but showing derogatory status.

3. Violation of Reinsertion Guidelines : This account was previously removed but has been re-reported without written notification.

4. Unverifiable Creditor : The creditor can not provide original agreements, making the account unverifiable. 
XXXX. Incorrect Balance : The balance is inaccurate and does not align with the original creditors records. 
6. Duplicate Reporting Across Bureaus : Reporting this account under different account numbers across bureaus violates 15 USC 1681b.

My Demands : 1. Immediate Deletion : Remove this account from all three credit bureaus ( XXXX, Experian, XXXX ) and any other reporting agencies. 
2. Provide Validation : Provide copies of : The original signed agreement.

Proof of ownership of the debt.

Complete payment history, showing how the balance was calculated.

3. Stop Reporting the Account : Cease reporting this account until it has been validated per 15 USC 1692g ( b ).

4. Written Response : Respond within 30 days per FCRA requirements, detailing your investigation results. 

Notice of Intent to File Complaint : If you fail to comply with federal or state law, I will file formal complaints with the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC XXXX XXXX Attorney Generals Office Additionally, I reserve the right to pursue legal action for damages as allowed under 15 USC 1681n and 1681o of the FCRA and 73 P.S. 201-9.2 of the UTPCPL. 




I am writing to formally dispute the inaccuracies reported on my credit file in connection with a XXXX XXXX Account. Upon reviewing my credit report, I have identified several discrepancies and violations of the Fair Credit Reporting Act ( FCRA ) that require your immediate corrective action. 

Specific Inaccuracies Identified : 1. Inconsistent Dates of Account Opening : Issue : The account shows different opening dates across the credit bureaus : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : These discrepancies violate FCRA requirements for consistent and accurate reporting, causing confusion and potential harm to my credit rating. 
XXXX. Discrepancy in High Credit Amount : Issue : The high credit amount is reported differently : XXXX : {$430.00} Experian : {$0.00} XXXX : {$430.00} Violation : This inconsistency directly impacts the calculation of my credit utilization ratio, which is a significant factor in my credit score. 
XXXX Credit Limit Inconsistency : Issue : The credit limit for this account is not uniformly reported : XXXX XXXX {$300.00} Experian : {$300.00} XXXX XXXX {$0.00} Violation : The failure to report the correct credit limit across all bureaus leads to inaccurate assessments of my creditworthiness. 
XXXX. Date of Last Activity Inconsistency : Issue : The date of last activity is inconsistent across the bureaus : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : Inaccurate reporting of the date of last activity affects the accounts status on my credit report and unfairly extends the negative impact on my credit score. 
XXXX. Discrepancy in Account Status and Comments : Issue : The comments regarding the account status vary significantly : XXXX : Charged off as bad debt. Account information disputed by consumer. 
Experian : Customer disputed account - reported by subscriber. 
XXXX : Consumer disputes this account information. Charged off account. 
Violation : The inconsistencies in the comments section reflect improper handling of my dispute and violate FCRA standards for accuracy and consistency in reporting. 

Demand for Immediate Action : Due to the continued inaccurate reporting of this account and your failure to address my previous disputes properly, I demand the following actions be taken immediately : XXXX. Permanent Deletion : Immediately and permanently delete this account from all of my credit reports with XXXX, Experian, and XXXX due to its inaccuracies. 
XXXX. Written Confirmation : Provide me with written confirmation that this account has been removed from my credit reports. 
XXXX. Detailed Explanation : Explain in writing why these errors have persisted on my credit report despite my previous dispute. 

Legal Consequences for Non-Compliance Please be advised that under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), you are required to maintain accurate information on consumer reports. Should you fail to comply with this demand for correction, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as consider taking legal action to protect my rights. 

Thank you for your prompt attention to this matter. I expect a response within 30 days confirming the deletion of this account from my credit report. 



I am writing to formally dispute the inaccurate reporting of the XXXX XXXXXXXX account, or XXXXXXXX XXXX  which has been reinserted into my credit report without proper notice or validation. 

Violations Under the FDCPA First, I did not receive the required written notice of this debt within five days of your initial communication with me, as required by the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ) ( 15 U.S.C. 1692g ( a ) ). This constitutes a clear violation of my rights, as I was not provided with the necessary details about the debt, my rights to dispute it, or a means to request validation.

Violations Under the FCRA This account was previously disputed and subsequently deleted from my credit report. However, the account has since been reinserted, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ). Under this provision : A consumer reporting agency must provide me with written notice within five business days of the reinsertion of any previously deleted item, including details about how and why the information was verified. 
I have not received any such notification, which is a requirement under the FCRA for the reinsertion of this item. 

Specific Inaccuracies Identified on My Credit Report Upon reviewing my credit report, the following inaccuracies have been identified in connection with the XXXX XXXX XXXX account : XXXX. Reinsertion of Deleted Account : Issue : The XXXX XXXXXXXX account was previously deleted after my dispute but has now reappeared on my report. 
Violation : FCRA requires a notification to me if a deleted item is reinserted, which I did not receive. 
XXXX. Incorrect Account Status : Issue : The account is listed as Open and Derogatory, which conflicts with the fact that it was previously resolved and removed from my credit report. 
Implication : This status inaccurately reflects my financial history. 
3. Past Due Amount : Issue : The account shows a balance of {$860.00} past due, despite no clear validation of this debt after my initial dispute.

Implication : Reporting a past due amount without validation of the debt is misleading and harms my creditworthiness.

4. Discrepancies in Reporting Dates : Issue : The date of last activity and the date of the last payment do not align with my records.

Implication : Inconsistent reporting dates are a sign of inaccurate data handling, which violates the accuracy standards set forth by the FCRA. 

Demand for Immediate Action I am requesting the following actions be taken immediately : 1. Cease Reporting : Stop all reporting of this account to the credit bureaus until the inaccuracies are resolved and my complaint is addressed. 
XXXX. Permanent Deletion : Permanently remove the XXXX XXXXXXXX account from my credit report due to your violations of the FDCPA and FCRA. 
XXXX. Written Confirmation : Provide written confirmation of the accounts deletion from my credit report. 
XXXX. Explanation of Violations : Provide a detailed explanation of why the account was reinserted and why I was not notified within the required five business days. 

Failure to address these issues will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action if necessary.

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