Consumer complaint received 2024-10-11 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : 1. Account Status and Payment Status Experian : Shows the account as " Paid '' with a " Collection/Chargeoff '' status. 
XXXX XXXX XXXX : Mention the account was " legally paid in full for less than the full balance '' and notes about " Unpaid balance reported as a loss by credit grantor. '' Inaccuracy Noted : There's an inconsistency in how the final status of the account is reported. While all bureaus note the account was settled for less than owed, Experian lists it as a charge-off, which might imply a more negative connotation.

2. Last Reported Date Experian : Last reported on XX/XX/XXXX XXXX XXXX XXXX : Do not specify the last reported date in the shared details but show continuous monthly data updates. 
Inaccuracy Noted : XXXX last reported date suggests no recent updates compared to the ongoing monthly data shown in XXXX and XXXX. This could affect the perceived currency and accuracy of the data. 
3. High Credit/Credit Limit Experian XXXX Lists high credit as {$0.00} but has a credit limit of {$600.00}. 
XXXX XXXX XXXX : Do not list high credit or credit limit in the provided image.Inaccuracy Noted : The inconsistency in reporting high credit and credit limit across bureaus can affect credit utilization calculations. 
4. Date of XXXX XXXX Experian : Lists the last payment date as XX/XX/XXXX. 
XXXX XXXX XXXX : Do not specify this date in the provided image. 
Inaccuracy Noted : The omission of the last payment date in XXXX and XXXX can be disputed if this date is crucial for documenting the end of account activity. 
5. Payment History There are variations in payment history recording : o Experian : Only provides a general status without monthly breakdown. 
XXXX XXXX XXXX XXXX : Show a detailed monthly status with some months marked XXXX, XXXX, XXXX, XXXX, XXXX, 30 days late which are not reflected in XXXX. 
Inaccuracy Noted : The lack of detailed monthly payment data in Experian compared to XXXX and XXXX XXXX need rectification. 

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely,

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