Consumer complaint received 2024-12-02 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian National Consumer Assistance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Credit Reporting Agencies ( CRAs ), This letter was written by my Consumer Protection Attorneys on my behalf and with my full consent. 

I am writing to file a dispute regarding certain inconsistencies in the reporting of collection accounts on my credit report. Based on my understanding of the Fair Credit Reporting Act ( FCRA ) and the Metro 2 format outlined in the Resource Guide, specifically Section 25, I believe there have been significant violations of federal reporting laws and industry reporting standards. These transgressions relate to the willful non-compliance in accurately recording the Date of First Delinquency ( DOFD ) on collection accounts.

These errors amount to what is commonly referred to as " re-aging, '' where a debt collector knowingly or recklessly fails to provide the correct DOFD to the CRAs. Under the provisions laid down in the Fair Debt Collection Practices Act ( FDCPA ), such behavior constitutes a violation. Meeting the required " knew or should have known '' standard should not present difficulties since the industry actively promotes education and strives towards bringing its members into compliance.

According to the FCRA, consumers retain the right to dispute inaccurate information contained in their credit files, requiring CRAs to investigate and rectify mistakes expeditiously. Should the collector continue to submit falsified information, even following the conclusion of a reinvestigationsuch as repeatedly declaring the date of initial contact as the DOFD or submitting improperly updated information leading to tradeline re-agingthey risk liability under both the FDCPA and FCRA.

Specific instances where my credit report reveals evidence of such malpractice involve the following collection accounts : XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX  XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX XXXX XXXX 1 ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX 1 ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 2 ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported XXXX XXXX XXXXXXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( Metro 2 ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXX XXXX ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : XX/XX/XXXX b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ). The Date Opened data is used to paint a complete and accurate picture of the truthful date that the account was originally opened and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 2 ). The Date of First Delinquency data is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 

a ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( XXXX XXXX ) b ) The Experian shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( XXXX XXXX ) c ) The XXXX shows : NOT REPORTING AS REQUIRED by the FCRA and The Resource Guide ( XXXX XXXX ) 3 ). The Date last activity is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last contact with consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 4 ). The Date last payment is used to paint a complete and accurate picture of the truthful date of commencement of the delinquency which immediately preceded the last payment between consumer and creditor. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported 5 ) The Date last reported data is used to paint a complete and accurate picture of the truthful date that account was originally last reported and that the original Date Opened should be retained regardless of future activity, such as transfer, refinance, lost or stolen card, etc. 

a ) The XXXX shows : No Data Reported b ) The Experian shows : XX/XX/XXXX c ) The XXXX shows : No Data Reported Please institute a thorough investigation of each issue highlighted above and update my credit file accordingly or remove each account from my report. Furthermore, ensure adequate measures are implemented to prevent future occurrences of similar violations. 
Failing swift remedial action from the respective parties responsible for these infractions shall result in further legal proceedings pursuant to statutory authority granted by the FDCPA, FCRA, and applicable state law. 
Thank you for addressing my concerns diligently. Please communicate the outcome of your investigations no later than XXXX days from the date of receiving this letter. My contact information has remained unchanged since our last correspondence. 

Respectfully submitted, 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