Consumer complaint received 2024-09-20 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inaccurate Information on Credit Report I am writing to formally dispute inaccuracies on my credit report obtained from your bureau, in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the discrepancies I have identified regarding my account with the 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** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The balances reported by XXXX and Experian are inconsistent with the balance reported by XXXX. This discrepancy suggests that the XXXX entry may be incorrect, especially if the account is still open. 

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** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a discrepancy in the account status. XXXX and Experian report the account as open, while XXXX shows it as closed. I request verification of the current status with the creditor. 

3. Payment History - All reports indicate 100 % on-time payments. However, some months show " No data available, '' particularly in XXXX. 

While the payment histories appear consistent, the missing data months could indicate an incomplete report. 

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** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The monthly payment amount reported by XXXX is {$0.00}, which differs from the amounts reported by XXXX and Experian. If a payment plan is active, the amounts should be consistent across all reports. 

5. High Balance All reports show a highest balance of {$3500.00}, which is consistent.

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

Furthermore, under **15 U.S. Code 1681e ( b ) ** and **15 U.S. Code 1681i ( 5 ) **, the failure to report this account accurately is a violation of my rights. 

In accordance with the Fair Credit Reporting Act, the list of accounts has 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, and under **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, along with the terms and conditions. Failure to comply will forfeit your claims and require you to delete all the accounts mentioned above. You are required to block these transactions from being reported to my consumer report **within four days** from the date of receipt of this notice. 



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