Consumer complaint received 2024-11-28 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: NM

Complaint narrative:
I am formally disputing inaccurate information on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed significant discrepancies regarding the following account : Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX Discrepancies Identified : 1. The date opened is inconsistent across bureaus.

2. The high credit amount varies between XXXX, Experian, and XXXX. 
3. The last payment date is inaccurately reported, differing across bureaus.

4. The comments section contains inconsistent language across the reports.

5. The date last active does not match, creating confusion about the accounts timeline.

6. Payment history inconsistencies indicate errors in reporting.

These discrepancies violate Section 623 of the FCRA, which mandates that information provided to credit bureaus be accurate and complete. Furthermore, the inability to maintain consistent reporting across bureaus violates my rights under Section 609 and Section 611 of the FCRA.

1. Inconsistent Account Open Dates : XXXX reports the account opening date as XX/XX/XXXX, while Experian and XXXX list XX/XX/XXXX. The account opening date should match across all bureaus. 
2. Inconsistent High Credit Amount : XXXX and Experian report the high credit as {$2000.00}, but XXXX lists it as {$1900.00}. This inconsistency indicates inaccurate reporting. 
3. Conflicting Last Payment Dates : XXXX reports the last payment date as XX/XX/XXXX, while XXXX lists XX/XX/XXXX. Accurate last payment dates are critical for determining account status and timelines for collection activity. 
4. Comments Section Variations : XXXX and Experian have different phrasing for the charge-off explanations. Consistency is required for transparency and accuracy. 
5. Inconsistent Date Last Active : XXXX lists XX/XX/XXXX, while Experian and XXXX show XX/XX/XXXX and XX/XX/XXXX, respectively. This is critical in determining the statute of limitations for collection. 
6. Reporting of Past Due Amount : The past-due amount of {$2000.00} matches the balance, which suggests improper updates or maintenance of the account. 
7. Two-Year Payment History : Payment history discrepancies exist between the bureaus, with some months being marked as CO ( Charge-Off ) while others are marked as OK ( Current ). This inconsistency violates the requirement for accurate reporting. 

Applicable FCRA Violations The following FCRA sections may have been violated : 1. Section 609 ( Right to Dispute Information ) : Creditors and credit bureaus must verify that the reported information is accurate. If the information can not be verified, it must be corrected or deleted.

2. Section 611 ( Procedures in Case of Dispute ) : Once a dispute is filed, credit bureaus have 30 days to investigate and correct or delete inaccurate information.

3. Section 623 ( Responsibilities of Furnishers ) : Furnishers of credit information ( e.g., creditors ) must ensure the information they provide to credit bureaus is accurate and updated.

4. Section 605 ( Obsolete Information ) : Charge-offs and collections must be reported accurately, especially with respect to the dates of last activity and payment.

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