Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
I have recently acquired a copy of my credit report and have come across certain inaccuracies that are being mistakenly reported. I am presenting this formal correspondence to challenge the information uncovered on my credit report in accordance with the regulations set forth in the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681i. Upon meticulous examination of my credit report, I have observed discrepancies that necessitate further scrutiny and resolution.

I am composing this letter to formally dispute the following details on my credit report as per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Upon evaluating my credit report, I have identified discrepancies that I would like to have investigated and rectified.

I am writing to formally dispute the following information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Upon reviewing my credit report, I found discrepancies that I would like to have investigated and corrected. 
XXXX - XXXX - date opened and last active is inaccurate - Inconsistent Date Opened : XXXX XXXX XX/XX/XXXX Experian & XXXX XXXX XX/XX/XXXX This violates 15 U.S.C .

1681e ( b ) ( Maximum Accuracy Rule ). Delete off my credit immediately XXXX  - XXXX - date opened and last active is inaccurate - Date Last Active ( Experian & XXXX Inconsistent ) Inaccuracy : Experian lists the Date Last Active as XX/XX/XXXX. 
XXXX does not provide a Date Last Active. XXXX does not list it, but this could be important if it's under dispute or a requirement. These date inconsistencies can be disputed under 15 U.S.C. 1681e ( b ) ( maximum possible accuracy standard ). delete off my credit report XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date of Last Payment ( XXXX XXXX Inaccuracy : XXXX and Experian list the Date of Last Payment as XX/XX/XXXX. XXXX lists it as XX/XX/XXXX. Correction Needed : The Date of Last Payment on XXXX should match the dates reported on XXXX and XXXXDate open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX - date opened and last active is inaccurate - Date Last Active ( XXXX ) Inaccuracy : XXXX lists the Date Last Active as XX/XX/XXXX. Experian lists the Date Last Active as XX/XX/XXXX. XXXX lists the Date Last Active as XX/XX/XXXX this is a vioation of 15 usc 1681e ( b ) maximum possibel accuracy standard and you must report. delet immedaitely off my credit XXXX - XXXX - date opened and last active is inaccurate - Inconsistent Account Details Across Credit Bureaus Date Opened : XXXX XXXX XX/XX/XXXX Experian & XXXX XXXX XX/XX/XXXX High Credit : Experian : {$0.00} ( incorrect ) XXXX XXXX XXXX XXXX {$1500.00} Re-Aging of Debt ( Possible Violation of 15 U.S.C. 1681c ) Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Payment : Experian & XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX The Date of Last Activity ( DLA ) varies across bureaus, which could indicate re-aging of debt to keep it on your report longer. Payment History Discrepancies XXXX Shows " OK '' Payments in some months while other bureaus list charge-offs ( CO ). This inconsistency violates 15 U.S.C. 1681e ( b ) ( Maximum Possible Accuracy ). Delete off my credit immediately XXXX - XXXX - date opened and last active is inaccurate - High Credit & Credit Limit Discrepancy Date Last Active differs across bureaus : XXXX XXXX Experian : XX/XX/XXXX XXXX XXXX XX/XX/XXXX These date inconsistencies can be disputed under 15 U.S.C.

1681e ( b ) ( maximum possible accuracy standard ). Delete off my credit immediatley High Credit : XXXX reports {$560.00}, XXXX reports {$250.00}, and Experian reports {$0.00}. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b Please see the personal information listed at the top of this letter and remove all information that does not match it. 
Incorrect Name - XXXX XXXX - Delete personal data due to violation of 15 USC 1681e ( b ) Incorrect DOB - XXXX - Delete personal data due to violation of XXXX USC 1681e ( b ) Incorrect Address - XXXX XXXX XXXX XXXX # XXXX, XXXX, IL, XXXX - Delete personal data due to violation of 15 USC 1681e ( b ) Incorrect Address - XXXX XXXX XXXX XXXX # XXXX, XXXX, IL, XXXX - Delete personal Incorrect Address - XXXX XXXX XXXX, XXXX, IL, XXXX - Delete personal data due to violation of 15 USC 1681e ( b ) EMPLOYER - XXXX XXXX Delete personal data due to violation of 15 USC 1681e ( b ) EMPLOYER - BY XXXX XXXX XXXX - Delete personal data due to violation of 15 USC 1681e ( b ) According to the Fair Credit Reporting Act, I request that you start investigation these items and make corrections accordingly I look forward to hearing from you

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 non-monetary relief