Consumer complaint received 2024-11-19 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding an account with XXXX  ( Account # XXXX ) *. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported is accurate and complete. After reviewing the details of the account, I have identified several discrepancies that require your prompt investigation and correction. 

Details of Discrepancies 1. Inconsistent Reporting Dates : The Date Reported field varies between the credit bureaus : XXXX lists XX/XX/XXXX, Experian lists XX/XX/XXXX, and XXXX also lists XX/XX/XXXX. Reporting dates should be consistent if the information was updated simultaneously. 
Action Requested : Please verify the correct reporting date and ensure consistency across all credit bureaus. 
XXXX. Missing Payment History ( XXXX ) : XXXX does not include any payment history for this account, while both Experian and XXXX show missed payments from XX/XX/XXXX to XX/XX/XXXX. A complete payment history is essential for accuracy and compliance with the FCRA. 
Action Requested : Confirm why payment history is missing for XXXX and update the report to reflect the accurate payment record. 
3. Charge-Off Status and Timeline : The account was opened in XX/XX/XXXX, yet it reflects a charge-off as early as XX/XX/XXXX. Given the short timeline, this raises questions about whether the charge-off was processed correctly. Secured loans typically involve collateral, and the creditors policies should align with industry standards for charge-off timing. 
Action Requested : Please verify the timeline for delinquency and confirm whether the charge-off was applied accurately according to the creditors policies. 
4. Credit Limit Reporting : The account lists a credit limit of {$0.00} for a secured loan. This is inconsistent with how secured loans are typically reported, as the limit should reflect the loan or collateral amount. 
Action Requested : Confirm and update the credit limit to accurately reflect the loan terms. 
XXXX. Dispute Status : The report indicates that the account has not been disputed, yet this information is under review. If any previous disputes were filed, this status should reflect that history. 
Action Requested : Confirm and update the dispute status if prior disputes were initiated. Action Requested I respec
tfully request that you : 1. Investigate the discrepancies outlined above and verify the accuracy of the information with the creditor ( XXXX ). 
XXXX. Provide me with an updated credit report reflecting the corrected and complete details. 
XXXX. Inform me of the results of your investigation within 30 days, as required by law. 

I have enclosed a copy of my identification and a copy of the relevant credit report for your reference. 
Thank you for your prompt attention to this matter.

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