Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Reporting Agency XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Consumer Report To Whom It May Concern, I am writing to formally dispute the accuracy of specific information in my consumer report prepared and maintained by your company. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information and correct or delete any data that can not be verified as accurate. 

Details of Dispute - Account Name/Number : XXXX XXXX XXXX - Nature of Dispute : Inaccurate payments are being reported as late and they are not I believe this information is inaccurate for the following reasons : ( INACCURATE PAYMENT # 1 ) For XX/XX/XXXX Experian is reporting this account as 30 days past due and contrary to that Equifax is reporting it as paid as agreed never late ( PAANL ). 

( INACCURATE PAYMENT # 2 ) : For XX/XX/XXXX Equifax is reporting this account as 30 days past due and contrary to that Experian is reporting it as paid as agreed never late ( PAANL ). 


Legal Basis for Dispute Under the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of the disputed information to determine its accuracy. 
2. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified, it must be corrected or deleted promptly. 

Furthermore, case law has clarified the duties of CRAs in disputes : - XXXX XXXX TransUnion Corp., XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court emphasized the CRA 's obligation to conduct a reasonable investigation, especially when a consumer provides supporting evidence. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Reinforces that CRAs must ensure the maximum possible accuracy of consumer reports as mandated by 15 U.S.C. 1681e ( b ). 
- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX  XXXX ) : Established that a CRA 's failure to conduct a reasonable investigation constitutes a violation of the FCRA. 

Request for Resolution I request that you : 1. Conduct a reinvestigation of the disputed information in compliance with 15 U.S.C. 1681i ( a ). 
2. Delete or correct any inaccurate or unverifiable information. 
3. Provide me with a written response detailing the results of your reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), including the name and contact information of the furnisher of the disputed information. 

Please respond to this dispute within the 30-day timeframe specified by the FCRA. Failure to comply may result in legal action, as provided under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Sincerely, XXXX 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