Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
I am writing to formally dispute and request the immediate deletion of inaccurate information from my credit reports. Specifically, I am addressing a charge-off account reported by XXXX XXXX XXXX XXXX The discrepancies in reporting across Experian, XXXX, and XXXX are concerning and do not accurately reflect my credit history. 

Account Information : Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Account Number : XXXX Date of First Delinquency : N/A Current Status : Charge-off Discrepancies : Address Variation : There is inconsistency in the reporting of the creditor 's address across the XXXX credit bureaus. Experian and XXXX report the same address, while XXXX shows a different XXXX XXXX XXXX. This inconsistency raises concerns about the accuracy and reliability of the reported information. 

Payment History : There are significant disparities in the payment history reported by Experian, XXXX, and XXXX. Experian shows payment history from XXXX to the present, XXXX from XXXX to the present, and XXXX does not display any payment history at all. Such discrepancies cast doubt on the accuracy and completeness of the reported information. 

XXXX of XXXX XXXX : There is conflicting reporting regarding the status of the account from XX/XX/XXXX to XX/XX/XXXX. XXXX indicates that the account was current/terms met during this period, while Experian reports the same dates as the charge-off period. This inconsistency further highlights the inaccuracies in the reporting of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and credit bureaus are obligated to report accurate and verifiable information. The discrepancies outlined above demonstrate a failure to comply with these legal requirements. Therefore, I am formally requesting the immediate deletion of the inaccurately reported charge-off account from all three credit bureaus. 

According to the FCRA, inaccurate information must be promptly investigated and corrected or deleted from consumers ' credit reports. I kindly request that you conduct a thorough investigation into the discrepancies outlined above and take the necessary steps to rectify the inaccuracies in my credit reports. 

Enclosed with this letter are copies of supporting documents, including credit reports from Experian, XXXX, and XXXX, highlighting the discrepancies in reporting. 

According to statute 15 U.S. Code 1681s2 ; a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I reached out to XXXX XXXX XXXX regarding my concerns and requested a copy of the original contract, but they did not respond to my request. 

Thank you for your attention to this matter. 

Sincerely, 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