Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
IT REPORING Different information on all three creditors HERE ON MY XXXX THIS IS WHAT BEGINS REPORTED Subject : Dispute of Inaccurate Information for CREDIT CARD XXXX XXXX XXXX ( Account No. XXXX ) Under FCRA, CFPB, and FTC Guidelines To Whom It May Concern, I am writing to formally dispute the inaccurate and incomplete information reported on my credit file related to the CREDIT CARD XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX 
Account Details and Discrepancies : Account Status : The account is marked as " Charged Off '' with a balance of {$1000.00}. However, the reported balance is {$0.00}, and the payment status indicates " Account Transferred or Sold. '' These statuses are contradictory and require clarification or correction. 

Date of First Delinquency : XX/XX/XXXX. The account is reported as delinquent but later marked as transferred or sold. This discrepancy creates confusion about the true status of the account. 

High Credit Amount : {$1000.00}, exceeding the reported credit limit of {$1000.00}. This inconsistency suggests potential inaccuracies in the reporting. 

Payment History : The monthly payment status is incomplete and inconsistent, with no data provided for several months. Accurate payment records are required to verify the legitimacy of the reporting. 


2 ), Here 's what's been reported on my experience report XXXX XXXX XXXX  account ( Account XXXX. XXXX ). 
Disputed Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} ( Charged off {$1000.00} ) Credit Limit : {$1000.00} Reported Status : Closed, Written Off Dates Inconsistent : Highest balance reported as {$1300.00}, status updated as of XX/XX/XXXX. 

Legal Grounds for Dispute : Failure to Validate the Debt ( 15 U.S.C. 1692g ) : The reporting creditor failed to provide sufficient validation of the debt, its legitimacy, and its transfer to XXXX XXXX XXXX as required by law. 

Reinsertion of Disputed Data Without Notice ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : This account was previously disputed and marked as resolved. The reinsertion of the data without proper notification violates the FCRA. 

3 ). Subject : Dispute of Inaccurate Information for XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ) and related federal laws, including the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) guidelines. The disputed account information is as follows : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$0.00} Account Status : Sold ; was Charged-Off Payment History Discrepancies : 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), 90 days late ( XX/XX/XXXX ), 120 days late ( XXXX ) 120 late ( XXXX ) and charged off ( XX/XX/XXXX ). 
This account is inaccurately reported as charged off and sold when remarks also state " Paid in Full/Was a Charge-Off. '' Furthermore, the account 's status has conflicting information regarding responsibility and resolution, violating provisions of 15 U.S.C. 1681e ( b ) ( accuracy of consumer report information ). 

The inconsistencies are damaging my credit profile and need immediate correction. 

Thank you for your immediate attention to this matter. If further clarification is needed, please contact me directly XXXX XXXX XXXX XXXX XXXX, IL XXXX i have sent in a disputes dates XXXX XXXX XXXX XXXX XXXXXX/XX/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