Consumer complaint received 2024-11-02 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: GA

Complaint narrative:
XXXX claims that XXXX XXXX ( CLOSED ) Account Number XXXX XXXX has been verified 100 % as accurate as a charged off account, but that account has a reported balance of {$0.00} which doesnt make sense, they claim this account has been opened since XXXX, but there isnt any data showing for this account for XXXX, and XXXX. The only data showing from this account is from XXXX XXXX XXXX. How can this account be 100 % verified as accurate? There isnt any data to show the balance, past due amount, actual payment amount, date of last activity, term duration, date of last payment, scheduled payment amount, and delinquency first reported date is also missing. This information is not correct and cant be 100 % verified as accurate, it is in violation of the metro 2 consumer laws, and also a violation under 15 U.S. Code 1681i - Procedure in case of disputed accuracy and also 15 U.S. Code 1681s2. Delete this account. 

XXXX XXXX, XXXX ( CLOSED ) Account Number XXXX XXXX again this account is missing some necessary information for it to be verified as accurate. It is in violation of the metro 2 consumer laws, and also a violation under 15 U.S. Code 1681i - Procedure in case of disputed accuracy because it is missing the Deferred Payment Start Date, Balloon Payment Date, scheduled Payment Amount, delinquency First Reported, Date of Last Activity, and Amount Past Due. Also, the balance on this account is {$0.00}. I am demanding for this account to be immediately deleted from my credit file because it is being reported incorrectly. They are knowingly reporting incorrect information on my report that that also violates 15 U.S. Code 1681s2 XXXX XXXX ( CLOSE ) Account Number XXXX XXXX Also needs to be deleted from my credit file because it is being reported incorrectly, and is missing multiple critical information need for this account to be verified 100 % as accurate, as they claim. It is missing the Credit Limit, Terms Frequency, Amount Past Due, Balance, Date of Last Activity, Deferred Payment Start Date, Balloon Payment Date, scheduled Payment Amount, and delinquency First Reported. The matter of which this account is being reported in is violation of the metro 2 laws, 15 U.S. Code 1681i, and 15 U.S. Code 1681s2. 

XXXX claims XXXX XXXX XXXXXXXX XXXX XXXX is 100 % verified as accurate per my last dispute, but its a lie because it is missing a lot of information and it isnt being reported correctly. Monthly Payment {$0.00}, Payment Received {$0.00} Last Payment Made XX/XX/XXXX please make this make sense. Pay Status >Charge-off<, but it has a balance? If this account is charged off as they claim, why does it have a balance of {$2300.00} Past Due and this information is supposed to be 100 % verified as accurate? Either the bureaus are employing employees that dont qualify to be employed, or they never did an investigation, or they are purposely reporting false information which is a violation of the metro 2 laws, and 15 U.S. Code 1681i, and 15 U.S. Code 1681s2. This account must be deleted immediately. 

XXXX XXXX XXXX once again isnt properly being reported, and it isnt 100 % verified as accurate as they claim being it is missing some information that is needed to 100 % verified this account as accurate, so I am demanding it to be deleted from my credit file. It also do not have a permissible purpose to be on my credit file. Payment Received {$0.00} but Last Payment Made XX/XX/XXXX, and Terms {$20.00} per month; paid Monthly, and it also has a few months reviewed which doesnt make any sense.

The same thing with XXXX XXXX XXXX XXXX Monthly Payment {$0.00}, Balance {$0.00}, Payment Received {$60.00}, Last Payment Made XX/XX/XXXX, Terms {$0.00} per month, paid Monthly for 12 months. Again this is senseless. Delete these accounts asap. 

Experian claims XXXX XXXX Account number XXXX is 100 % verified as accurate, but again this account isnt being reported properly on my credit file, and needs to be deleted asap. Original creditor missing, Status Account charged off. {$1500.00} written off. {$11000.00} past due as of XX/XX/XXXX. This doesnt make sense at all. A charged off with a balance too? And the Monthly payment is also missing. How is this 100 % verified as accurate? 

XXXX XXXX XXXX Account number XXXX also needs to be deleted off my credit report, but it is in violation of the metro 2 laws also, and 15 U.S. Code 1681i, and 15 U.S. Code 1681s2. Original creditor is missing, Monthly payment is missing. This account is also in violation of 15 U.S. Code 1601.

15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Company response to consumer: Closed with explanation