Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report provided by Experian. Under my rights through the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, I respectfully request an immediate investigation and removal of incorrect or unverifiable information. The presence of inconsistent data among the credit bureaus raises concerns about the accuracy of the reporting process. 

Accounts in Dispute : XXXX  Account Number : XXXX High Balance : {$980.00} ( XXXX & Experian ), {$820.00} ( XXXX ) Credit Limit Discrepancy : {$820.00} ( XXXX & Experian ) , {$0.00} ( XXXX ) Payment Status Discrepancy : XXXX : Current Experian : Late 90 Days XXXX : Current Last Payment Date Discrepancy : XXXX & Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX Account Number : XXXX High Balance : {$690.00} ( XXXX & Experian ), {$300.00} ( XXXX ) Credit Limit Discrepancy : {$300.00} ( XXXX & Experian ) , {$0.00} ( XXXX ) Payment Status : Current on all three bureaus Last Payment Date Discrepancy : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Account Number : XXXX High Balance : {$200.00} ( XXXX & Experian ), {$200.00} ( XXXX ) Credit Limit Discrepancy : {$200.00} ( XXXX & Experian ), {$0.00} ( XXXX ) Payment Status Discrepancy : XXXX : Late 60 Days Experian : Current XXXX : Late 60 Days Last Payment Date Discrepancy : XXXX & Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Basis for Dispute : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I have the right to obtain and review the information contained in my credit report. The inconsistencies outlined above indicate a failure to maintain accurate reporting. 

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Due to the discrepancies found across all three credit bureaus, I request a full reinvestigation to correct these errors. 

Removal of Inaccurate/Unverifiable Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : If the disputed information can not be verified, it must be deleted.

Responsibilities of Information Providers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Creditors are legally required to provide accurate information. Any incorrect, incomplete, or unverifiable information must be removed.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : Credit bureaus are obligated to maintain reasonable procedures for maximum accuracy, which was not upheld in these instances.

Permissible Purposes for Accessing the Credit Report ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that all accesses to my credit report regarding these accounts were conducted lawfully.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : Ensures fair and accurate lending and reporting practices. The inconsistencies in my report violate this principle. 

Supporting Case Law : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus were held accountable for inadequate investigation procedures. 

XXXX XXXX XXXX, XXXX : Reinforces the requirement for reasonable procedures under the FCRA. 

Request for Immediate Action : I request that the disputed accounts be corrected or removed from my credit report. If the information can not be validated, I expect a detailed response outlining the verification steps taken and the results of the investigation. Failure to properly investigate or remove unverifiable information is a violation of the FCRA. 

Consequences of Non-Compliance : If this issue is not addressed, I will consider filing complaints with the following agencies : Attorney Generals Office Federal Trade Commission ( FTC ) XXXX XXXX XXXX  ( XXXX  ) I also reserve the right to pursue legal action, including filing a small claims lawsuit, should this matter remain unresolved. 

Thank you for your immediate attention to this issue. I look forward to your prompt response confirming the removal or correction of the disputed information.

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