Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to dispute the accuracy and completeness of the information reported on my credit file regarding an account with XXXX XXXX XXXX. Upon reviewing the account details ( Reference : XXXX, XXXX, XXXX XXXX ) , I have identified several discrepancies which I believe violate the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). I respectfully request that you investigate and correct these inaccuracies. 

Disputed Errors : 1. Missing Trended Data : The trended data for this account is incomplete. Payment history and balance information are only recorded for the period from XX/XX/XXXX to XX/XX/XXXX. There is no data provided for the period from XX/XX/XXXX through XX/XX/XXXX, despite the account being active during that time. This incomplete reporting violates the requirement under 15 U.S.C. 1681e ( b ) that all information must be accurate and complete. 

2. Inconsistent Balance Reporting : While the account summary indicates a balance of 1168, the detailed table shows monthly balances of XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) despite a consistent actual payment amount of {$50.00}. This inconsistency does not reflect proper application of payments and may suggest errors in reported data. I request that this discrepancy be verified in accordance with 15 U.S.C. 1681i ( a ) ( 1 ). 

3. Missing Credit Limit Information : The account summary displays a high credit of XXXX, yet the Credit Limit column in the trended data is shown as for every month. This omission prevents an accurate representation of my account terms and is inconsistent with the reporting standards outlined in 15 U.S.C. 1681g. 

4. Ambiguous Data and Misformatted Entries : The summary line I XXXX XXXX XXXX XXXX XXXX CURRENT XXXX XXXX XXXX XXXX XXXX and the historical notation Hist : XXXX XXXX PYMT XXXX APP contain ambiguous or misformatted information. These unclear entries hinder a proper understanding of the account history and may be indicative of misreporting, which violates 15 U.S.C. 1681i ( a ) ( 5 ). 

5. Discrepancy in Payment Versus Balance Reduction : Although the record shows an actual monthly payment of {$50.00}, the month-to-month balance reduction is not consistent with this amount. This discrepancy may indicate that payments have been improperly applied or that accrued interest has not been accurately reported. I request that this matter be verified and corrected in compliance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 



Additional Supporting FCRA Provisions : 15 U.S.C. 1681s-2 ( b ) : Requires furnishers to investigate disputes and update or remove inaccurate information. 

15 U.S.C. 1681c ( a ) ( 4 ) : Limits the reporting period for negative information. 

15 U.S.C. 1681n : Provides consumers the right to sue for willful noncompliance with the FCRA. 

15 U.S.C. 1681o : Establishes liability for negligent noncompliance. 

15 U.S.C. 1681p : Defines the statute of limitations for FCRA claims. 

15 U.S.C. 1681b : Restricts access to consumer reports to entities with a permissible purpose. 

15 U.S.C. 1681h : Requires appropriate disclosure of credit report information. 

15 U.S.C. 1681d : Outlines the responsibilities of consumer reporting agencies. 

15 U.S.C. 1681j : Mandates proper adverse action notifications. 

15 U.S.C. 1681k : Imposes liability for willful noncompliance with the FCRA.

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