Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to dispute inaccuracies reported on my credit report regarding my account with XXXX XXXX XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request that you investigate the matter, verify the information, and correct any discrepancies. The specific account details in question are as follows : - Creditor Name : XXXX XXXX XXXX  - Account XXXX - Nature of Dispute : Inaccuracies in payment history, account utilization, and delinquency reporting.

Specific Issues : 1. Payment History Accuracy : - The report indicates that I have made 73 % of payments on time, but no detailed payment history is shown for specific months. The status indicates " Current '' as of XX/XX/XXXX, with no past-due amounts, which contradicts any delinquency claims. 

XXXX. Worst Payment Status : - The report shows XXXX instances of being 30 days late and 1 instance of being 60 days late, but no specific dates or verification of these occurrences are provided. This vague and unverifiable reporting negatively impacts my credit score and should be corrected.

3. Utilization Reporting Error : - The reported utilization of 105 % is inaccurate. The credit limit is {$300.00}, and the balance is listed as {$310.00}, which does not justify exceeding 100 % utilization without further clarification.

Violations of the FCRA : Under the FCRA, you are required to ensure the accuracy and completeness of the information reported : - 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The inconsistencies and lack of clarity in the reporting violate this provision.

- 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, you are obligated to conduct a thorough reinvestigation and provide evidence to substantiate the reported information.

- 15 U.S.C. 1681i ( a ) ( 5 ) : If information can not be verified, it must be corrected or deleted from my report.

Requested Actions : 1. Conduct a full reinvestigation into the accuracy of the reported payment history, utilization, and delinquency claims for this account. 
XXXX. Provide verification of the reported payment delinquencies, including specific dates and amounts. If the information can not be verified, I request that it be removed from my credit file. 
XXXX. Correct the utilization reporting error and reflect accurate credit usage data. 
XXXX. Provide me with a written summary of your findings and an updated credit report. 

If the inaccuracies are not resolved within the legally mandated 30 days, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take legal action under the FCRA. 
Thank you for your prompt attention to this matter. I look forward to your 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 non-monetary relief