Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
o : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Subject : Dispute of Inaccurate Reporting under FCRA Request for Immediate Correction or Removal of Account Account Number : XXXX Dear XXXX XXXX, I am writing to dispute the inaccurate and incomplete information regarding the above-referenced account on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit report, I noticed errors associated with the reporting of my account with Truist Bank that are adversely affecting my credit score.

Disputed Information : Account Status : The account is reported as closed with a past due balance of {$490.00}, as of XX/XX/year>. 
Delinquency Status : The account is showing a 90-day past due status as of XX/XX/year>, a 60-day past due status as of XX/XX/year>, and a 30-day past due status as of XX/XX/year>. 
Credit Limit and Balance Information : The highest balance on this account is being reported as {$11000.00}, which is inaccurate and misleading given the context of my actual credit utilization. 
Violations under the FCRA : Failure to Provide Accurate and Complete Information ( 15 U.S.C. 1681s-2 ) : As a data furnisher, XXXX XXXX  has an obligation to ensure that the information it provides to credit reporting agencies is accurate and complete. The repeated delinquencies and incorrect balance reporting on this account are clear violations of this statute. The inaccuracies in reporting are damaging my creditworthiness and financial reputation. 

Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : If this account or its delinquent statuses have previously been disputed and removed from my credit report, XXXX XXXX must notify me prior to reinserting the information. There has been no such notice, which would also be a violation of this statute. 

Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681s-2 ( b ) ) : If this account has been previously disputed, XXXX XXXX  must conduct a reasonable investigation into its accuracy and correct any inaccurate information. The current reporting indicates that XXXX XXXX  has failed in this obligation. 

Requested Resolution : Immediate Removal of Delinquency Marks : I request the immediate removal of all 30-day, 60-day, and 90-day late payment marks from my credit report. The reporting of these delinquencies is inaccurate and harming my credit score.

Correction of Account Balance and Status : Please update the account to reflect the correct balance and status, ensuring that all information complies with the FCRA 's accuracy requirements. If no balance is owed, the account should be reported as paid in full and closed by the consumer. 

Full Investigation and Written Verification : I demand a thorough investigation into the accuracy of the information provided by XXXX XXXX  I also request that you provide me with written verification of the results of this investigation, as required under the FCRA. 

Update Credit Reporting Agencies : Once the inaccuracies are corrected, I request that you notify all three major credit reporting agencies ( Experian, XXXX, and XXXX ) to update my credit report accordingly. 

Supporting Documents : A copy of my ID for verification My most recent credit report showing the inaccuracies Any relevant documentation to support my claim Please treat this letter as my formal dispute and act in compliance with the FCRA to correct these errors immediately. I expect a prompt response within the required 30 days. 

Sincerely, XXXX XXXX XXXX XXXX. 
Phone : ( XXXX ) XXXX Email : 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