Consumer complaint received 2025-02-19 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:
I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XXXX I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX Account- XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Disputed Information : XXXX. XXXX XXXX Account Incorrect Balance : o The balance is reported as {$2000.00} across all three bureaus, but if this is inaccurate, it needs to be addressed. 
Wrong Account Status : o The account is reported as " Collection/Charge off '' for XXXX, Experian, and XXXX. If the account is paid off, closed, or in a different status, this needs correction. 
Credit Limit Discrepancy : XXXX XXXXXXXX reports the credit limit as {$0.00}, while XXXX lists {$500.00}. Inconsistencies here should be clarified. 
Last Reported Date : XXXX  XXXX  ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) report different last reported dates. If a more recent update exists, this should be corrected. 
Date Last Active : o Different dates are reported for this field : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( XXXX ). Only one can be correct. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Incorrect Balance XXXX XXXX  The balance of {$3700.00} is consistent across all bureaus. If this balance is outdated or inaccurate, it should be corrected. 
Disputed Account Status : XXXX  Experian includes a comment about a dispute, while XXXX mentions that the account meets FCRA requirements. Inconsistencies in dispute resolution status need addressing. 
High Credit : XXXX  High credit is reported as {$3700.00}, but if this differs from reality, it should be corrected. 
Last Reported Date : XXXX XXXXXXXX reports XX/XX/XXXX, while Experian lists XX/XX/XXXX. These dates should align if they are reflecting the same update. 
Date Last Active : o XXXX and Experian differ, showing XX/XX/XXXX and XX/XX/XXXX, respectively. The correct date should be verified and updated. 
Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation. 
XXXX. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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