Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Over the course of multiple months starting since XXXX of XXXX, every month I sent letters in regards to account. 

XXXX - XXXX in which contained a letter with information that said : 1. FCRA Violation : Inaccurate and Conflicting Reporting ( 15 U.S.C. 1681e ( b ) ) Under FCRA, Section 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy. This account contains multiple discrepancies : Different Credit Limits : XXXX reports a {$0.00} limit, while Experian and XXXX report {$380.00}. Inconsistent Activity Dates : The Date Last Active varies between XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Experian and XXXX ). 

Payment Status Conflicts : The same account is marked as Coll/Chargeoff by XXXX and XXXX but listed as 180 Days Delinquent by Experian. 

These conflicting entries create an inaccurate portrayal of my credit history, violating the FCRAs requirement for accuracy. If the information can not be corrected, the account must be deleted immediately. 

2. FDCPA Violation : Lack of Validation and Misleading Status ( 15 U.S.C. 1692e ) Under FDCPA, Section 1692g, I am entitled to validation of the debt upon request. Despite my previous attempts to contact you, I have not received any documentation supporting the legitimacy of this debt. Reporting the debt as charged off and derogatory with a XXXX balance is both misleading and violates FDCPA prohibitions against deceptive practices. 7 of 12 3. Violation of FCRA, Section 1681c ( a ) : Outdated Reporting FCRA, Section 1681c ( a ) restricts the reporting of delinquent information to seven years from the first date of delinquency. The discrepancy in last activity dates ( XXXX vs. XXXX ) raises concerns about re-aging the debt to artificially extend the reporting period. Any such action is a direct violation of federal law and must be corrected or removed immediately. 

4. Violation of CFPB Guidelines : Inconsistent and Harmful Reporting The Consumer Financial Protection Bureau ( CFPB ) prohibits unfair and harmful practices in credit reporting. The conflicting account statuses across the three bureaus cause unnecessary damage to my creditworthiness by presenting an inconsistent and misleading history to potential lenders.

5. Non-Compliance with Metro 2 Data Reporting Standards The Metro 2 standard requires that accounts be classified accurately to ensure consistency. However, this account is listed incorrectly as Revolving/Charge Off despite the XXXX balance and closed status. This misclassification introduces further inaccuracies and must be addressed through immediate deletion. 

Final Demand for Deletion Given the inaccuracies, inconsistencies, and violations of federal law, I am formally requesting that the XXXX charge account be deleted from my credit report immediately. If you can not validate the debt with appropriate documentation, the FCRA and FDCPA require its removal

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