Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To : Experian Dispute Department XXXX XXXX  XXXX XXXX, TX XXXX TransUnion Dispute Department XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : XXXX Dispute of Inaccurate & Unverified Information XXXX XXXX XXXX XXXX  Dear Experian & TransUnion Dispute Departments, I am writing to formally dispute the inaccurate, incomplete, and unverifiable reporting of the XXXX XXXX XXXX Bank account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I request a thorough investigation and immediate correction or deletion of the erroneous information outlined below. 

Account Information Being Disputed : Creditor Name : XXXX XXXX XXXX XXXX  Account Type : Revolving Credit Card Account Number ( Last XXXX Digits ) : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance Reported : {$1300.00} Credit Limit : {$1000.00} Past Due Amount : {$1300.00} Current Status : Charge-Off Errors & Violations in Reporting : 1 Inaccurate Account Status & Balance Reporting ( FCRA 1681s-2 ( a ) ) Issue : The account is listed as both Closed and Charge-Off while still reporting a past-due balance of {$1300.00}.

Violation : If this account was charged off, the balance should be {$0.00}, as charge-offs are legally written off as losses.

Resolution Required : Either correct the account to reflect a {$0.00} balance or delete the tradeline as it is inaccurately reporting. And issue a 1099-C per IRS regulation .

2 Inconsistent & Inaccurate Late Payment Reporting ( FCRA 1681e ( b ) ) Issue : The payment history reflects inconsistent and unverifiable delinquency reporting.

Violation : Credit bureaus are required to ensure that reported data is complete and accurate. Any errors in payment history must be deleted.

Resolution Required : Remove all inaccurate late payment marks or delete the tradeline due to inaccurate historical reporting.

3 Account Re-Aging & Incorrect Date of Last Activity ( Metro 2 & FCRA 1681s-2 ( b ) ) Issue : The Date of Last Activity ( DLA ) is reported as XX/XX/XXXX, which is incorrect because the account was closed in XX/XX/XXXX. 
Violation : Re-aging a debt to extend its time on my report is a serious violation of FCRA and Metro 2 compliance guidelines.

Resolution Required : Correct the Date of Last Activity or delete the account for unlawful re-aging.

4 Account Utilization Inaccuracy Unlawful Credit Damage ( FCRA 1681e ( b ) ) Issue : The account reports a utilization of 132 % ( balance exceeding credit limit ), which is impossible under normal banking policies.

Violation : Credit reporting agencies must ensure that data is factually correct and does not mislead lenders.

Resolution Required : Either correct the utilization to reflect accurate balance history or delete the tradeline for providing misleading financial data.

Final Notice This dispute letter serves as official notice under FCRA 15 U.S.C. 1681i that Experian and TransUnion must correct or delete the inaccurate information within 30 days. 

Failure to comply will result in regulatory escalation and legal action. 

Sincerely, XXXX 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