Consumer complaint received 2025-04-28 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXredit Reporting Agency TransUnion, Equifax, or Experian Dispute of Inaccurate Information Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I am writing to dispute the inaccuracies contained in my credit report regarding the above-referenced account. I have reviewed the report and found several discrepancies that I request be addressed immediately, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which grants consumers the right to dispute and correct inaccurate information on their credit report. 

1. Incorrect Balance and Credit Utilization My balance is reported as {$560.00} ( TransUnion and Equifax ) and {$610.00} ( Experian ). I have verified with the creditor that my balance is currently [ state correct balance, if applicable ]. The discrepancies in balance have led to inflated credit utilization percentages, which are negatively impacting my credit score. 

As per 15 U.S.C. 1681e ( b ), I request that you correct the reported balance to reflect the accurate amount. 

2. Incorrect Late Payment Status My reports show that I am XXXX days late on my payments for [ XXXX ], which is inaccurate. I have made all required payments on time. Please investigate and update the payment history to reflect accurate on-time payments. 

Under 15 U.S.C. 1681i, I am requesting that this incorrect late payment status be corrected to avoid further harm to my creditworthiness. 

3. Past Due Amount The reported past due amount varies between {$170.00} ( TransUnion ), {$230.00} ( Experian ), and no amount listed on Equifax. I request that you verify the correct past due balance with the creditor and update the report to reflect accurate amounts across all bureaus. 

Pursuant to 15 U.S.C. 1681i, this correction is necessary to ensure my credit report is accurate. 

4. Credit Limit My credit limit is reported as {$300.00} across all three bureaus, but the inflated balance and utilization rates suggest that there may be an error in the reported credit limit. Please verify this information with the creditor and make the necessary adjustments. 

In accordanc

e with 15 U.S.C. 1681e ( b ), I request that you confirm the credit limit with the creditor and update your records to reflect the correct amount. Identity Theft Concerns : Based on 15 U.S.C. 1681c-2, I a
m concerned that some of the information reported may have resulted from alleged identity theft. If any accounts or transactions on my credit report are found to be fraudulent or the result of identity theft, I request that these items be blocked from my credit file within 4 business days, as mandated by law. 

Violation of Consumer Rights : Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), the information reported by the creditor has failed to meet the required standards of accuracy and completeness. These errors are in direct violation of my federally protected consumer rights und

er 15 U.S.C. 1681, which guarantees my right to accurate and up-to-date credit information. Additionally, under 15 U.S.C. 1681, Section 602 ( A ), I have the right to privacy regarding my credit information, and under 15 U.S.C. 1681, Section 604 ( A ), Section 2, you can not furnish any accounts to third part
ies without my written consent. 

Request for Original Agreement : I am requesting a copy of the original agreement, terms, and conditions for the account in question. Failure to provide this documentation will result in the forfeiture of your claims and the immediate deletion of the accounts from my credit report. In accordance with 15 U.S.C. 1681b, I request that this documentation be sent to me promptly. 

Resolution : Please delete this account from my credit report unless you wish to be held accountable for the penalties outlined below. 

{$1000.00} per account will be required if these violations are not corrected. 

In accordance with 15 U.S.C. 1681i, I expect a response within 30 days from the receipt of this letter, and I request that you block these inaccurate entries from my credit file within 4 business days as required by law. 

Thank you for your immediate attention to this matter. I look forward to your response and prompt resolution of these issues.

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