Consumer complaint received 2024-09-30 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 XXXXXXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear XXXX, Experian, and XXXX I am writing to dispute inaccuracies in my credit reports concerning my XXXX XXXX XXXX  account. The details are as follows : Account Name : XXXX XXXX XXXX 
Reported Balance : {$1000.00} Date Opened : XX/XX/XXXX Discrepancies Noted : Payment Status : XXXX and XXXX report my account as 60-89 Days Late with one late payment. However, Experian indicates 2 late payments without specifying the timeframe. 
Consumer Law : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

Last Payment Information : All reports indicate " No Info '' for the last payment date. This information should be available given the account balance.

Consumer Law : The FCRA mandates that all reported information be accurate and verifiable, as outlined in 15 U.S.C. 1681i.

Balance Reporting : While all bureaus report the balance as {$1000.00}, Experian states that I have {$240.00} past due. This inconsistency in how the balance is reported needs resolution.

Consumer Law : The FCRA requires consumers to be provided with accurate information in their credit reports ( 15 U.S.C. 1681e ( b ) ).

Highest Balance Reporting : The highest balance reported is {$1000.00}, but my current balance is {$1000.00}. This discrepancy suggests that the information is not accurately represented.

Consumer Law : Under 15 U.S.C. 1681i, consumers have the right to dispute inaccurate information in their credit reports. 
Account Type : XXXX and XXXX list the account as Partially Secured, while Experian labels it as a Secured Loan. This inconsistency must be addressed for accuracy. 
Consumer Law : The FCRA requires accurate reporting of all account details to prevent misleading information ( 15 U.S.C. 1681e ( b ) ).

Under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft, not later than 4 business days after receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i, this account is in violation for not reporting 100 % accurately.

The accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Pursuant to 15 U.S.C. 1681 section 602 ( a ), I have the right to privacy.

Pursuant to 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting the original copy of the agreement and the terms and conditions associated with this account. Failure to comply will forfeit your claims and require you to delete all items listed above.

You are required to block these transactions from being reported to my credit report within 4 days from the date of receipt of this notice.

Delete these accounts unless you want to be held accountable for {$1000.00} per account.

Please confirm receipt of this letter and inform me of the outcome of your investigation. 
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 explanation