Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX I am writing to formally dispute inaccuracies in my credit report. After reviewing my reports from XXXX, XXXX, and Experian, I have identified several discrepancies related to an account listed as a charge-off. 



- Creditor Name : XXXX XXXX XXXX - Account Number : XXXX : XXXX XXXX : XXXX Experian : XXXX - Account Type : Automobile - Account Status : Charge Off - Open Date : XX/XX/XXXX XXXX. Account Number Discrepancy - XXXX : XXXX - XXXX : XXXX - Experian : XXXX XXXX. Highest Balance Reported - XXXX : " $ XXXX - XXXX : Not listed - Experian : " $ XXXX XXXX. Last Activity Date - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX XXXX. Payment History Inconsistencies- XXXX : No history available - XXXX : Detailed history with late payments- Experian : Similar history but discrepancies in on-time payments XXXX. Account Status - XXXX : Charge Off - XXXX : Charge Off - Experian : Charge Off, reported as a loss XXXX. Remarks and Dispute Status - XXXX : Dispute Resolved - Subscriber Disagrees - XXXX : Consumer Disputes- Reinvestigation In Progress - Experian : Unpaid Balance Reported As A Loss By XXXX XXXX, Dispute Resolved - Consumer Disagrees XXXX. Percentage of Payments Made On Time - TransUnion : No data available - XXXX : XXXX % - Experian : XXXX % XXXX. Creditor Information - XXXX : Creditor listed as " CAF '' - XXXX : Creditor listed as " XXXX XXXX XXXX '' with address " XXXX XXXX XXXX XXXX, XXXX, GA XXXX '' - Experian : Creditor listed as " XXXX XXXX XXXX '' with address " XXXX XXXX XXXX XXXX, XXXX, VA XXXX '' Legal References and Requests : 1. Fair Credit Reporting Act ( FCRA ) : - 15 U.S. Code 1681c-2 : Requires blocking of information resulting from identity theft within 4 business days.

- 15 U.S. Code 1681e ( b ) : Requires accuracy in consumer reports.

- 15 U.S. Code 1681i ( 5 ) : Mandates accurate reporting and timely dispute resolution.

2. Fair Debt Collection Practices Act ( FDCPA ) : - 15 U.S. Code 1692 to 1692p : Protects consumers from abusive debt collection practices and mandates accurate reporting.

3. Credit Card Accountability, Responsibility, and Disclosure ( CARD ) Act : - 15 U.S. Code 1666i : Covers various aspects of credit and charge accounts, including accurate reporting and dispute resolution.

4. Privacy and Consumer Rights : - 15 U.S. Code 1681 Section 602 A : Grants the right to privacy and accuracy in credit reporting.

- 15 U.S. Code 1681 Section 604 A Section 2 : Prohibits furnishing of consumer reports without written authorization.

I request that you provide the original copy of the agreement and terms & conditions associated with this account. Failure to comply will result in the forfeiture of your claims and necessitate the deletion of the items listed above from my credit report. Additionally, you are required to block these transactions from being reported to my consumer report within 4 business days from the date of receipt of this notice.

Failure to resolve these inaccuracies and comply with legal requirements will lead me to seek damages of {$1000.00} per account as provided by law.

I look forward to your prompt response. 



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