Consumer complaint received 2024-10-11 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Experian. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. # XXXX After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Last Reported Date : XXXX XXXX XX/XX/XXXXXXXX XXXX and Experian : XX/XX/XXXXXXXX  The difference in the " Last Reported '' date between XXXX and the other two bureaus may impact how the information is perceived by potential creditors. XXXX shows an earlier date which could imply less recent account activity compared to what XXXX and Experian report. 
XXXX : " Charged off account. Accounts closed by credit grantor. '' XXXX : " Charged off as bad debt. Dispute resolved ; reported by grantor '' Experian : " Account was in dispute- now resolved - reported by subscriber. '' The variation in comments can lead to misunderstandings about the status of the debt. XXXX comment implies the account was closed by the credit grantor, which could be interpreted differently than simply being charged off as bad debt as indicated by XXXX and Experian. 
Date Last Active & Date of Last Payment : XXXX : Last Active : XX/XX/XXXX, Last Payment : XX/XX/XXXXXXXX XXXXXXXX and Experian : Last Active : XX/XX/XXXX, Last Payment : XX/XX/XXXX XXXX reports significantly earlier dates for the last active and last payment dates. This discrepancy affects the calculation of how long the account will stay on the credit report, potentially prolonging the negative impact on the XXXXredit score with XXXX. 
Account Number : Ensure the account number is consistent across all credit bureau reports. Any discrepancy here could indicate a reporting error or a mix-up between accounts. 
Last Reported Date : XXXX shows a last reported date of XX/XX/XXXXXXXX 
XXXX and Experian show XX/XX/XXXXXXXX 
Date Opened : All bureaus should reflect the same opening date for accuracy. 
Credit Limit : XXXX, Experian, XXXX : All should consistently report the credit limit. An incorrect credit limit can affect the credit utilization ratio, which is a significant factor in credit scoring. 
High Credit : The highest balance or credit limit reached during the account 's history should be the same across all reports. Discrepancies could suggest errors in how the credit usage is reported, affecting the credit score.

Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report.

Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX 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