Consumer complaint received 2024-10-30 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Inaccuracies on Credit Report Dear Experian, I am writing to formally dispute inaccuracies on my credit report related to my XXXX auto loan account ( Account Number : Partial # XXXX ). I have identified several discrepancies that require immediate correction : Missing Payment History : My credit report indicates multiple months with No Data for scheduled and actual payment amounts. Under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. 
Inconsistent Recent Balances : The recent balance listed as {$8000.00} as of XX/XX/year> conflicts with previous balances ( e.g., {$8000.00} in earlier months ). This inconsistency misrepresents my credit utilization, violating the FCRAs mandates for accuracy and integrity in reporting. 
Unreported Monthly Payment : My monthly payment amount is not reported, violating the Truth in Lending Act ( TILA ), which requires creditors to disclose all terms of credit, including payment amounts. 
Investigation Comments : The notation consumer disagrees requires clarification. Under the FCRA, I have the right to dispute inaccurate information and receive a timely investigation. 
Additionally, I would like to draw your attention to the following consumer laws relevant to my situation : Under 15 U.S. Code 1681c-2, a consumer reporting agency must block the reporting of any information identified as resulting from alleged identity theft within four business days of receipt.

Per 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation for not reporting 100 % accurately.

In accordance with the FCRA, the inaccuracies on this account violate 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 an original copy of the agreement and terms and conditions associated with this account. Failure to comply will result in forfeiture of your claims and require you to delete all items mentioned above. You must block these transactions from being reported on my consumer report within four days of receipt of this notice.

Resolution : I request the deletion of these accounts unless you wish to be held accountable for {$1000.00} per account for violations of the FCRA. 
I look forward to your prompt response to this matter. 
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