Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA, TILA, and Florida Consumer Protection Law Account Name : XXXX XXXX XXXX Partial Account Number : XXXX Dear Experian, I am writing to formally dispute the accuracy and legality of the information reported on my credit file regarding the above-referenced account. After a detailed review of my report, I found multiple serious inconsistencies and violations of both federal and state consumer protection laws. 

Identified Inaccuracies & Inconsistencies : Over-Limit Usage Reported Incorrectly : The account reflects a credit limit of {$400.00} and a balance of {$650.00}, which equals XXXX XXXX utilization. However, your system inaccurately reports this as 100 %, an internal contradiction that reflects faulty data processing or input. 

Late Payments After XXXX : The account is marked " closed '', yet it continues to report XXXX, XXXX, XXXX, and XXXX late payments through XX/XX/XXXX. Reporting delinquency after closure without a valid collection or charge-off status is misleading and unlawful. 

XXXX XXXX Date/ XXXX XXXX : There is no closure date listed, yet the account shows progression of delinquency. This is inconsistent with FCRA 1681e ( b ), which requires accurate and verifiable reporting. 

Isolated XXXX XXXX ( XX/XX/XXXX ) : All other months in XXXX are reported on time except for XXXX, which is marked 30 days late. This isolated mark appears unverified and inconsistent, suggesting it may have been falsely or automatically generated.

Legal Violations Cited : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to maintain maximum possible accuracy. The inconsistencies described above demonstrate clear failure in that obligation.

2. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Under TILA, creditors are required to provide clear disclosures of credit terms and report accurate balances and usage. Reporting a balance exceeding the limit while displaying a 100 % utilization rate is misleading and deceptive, and violates transparency and disclosure principles. 

XXXX. Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) Fla. Stat. 501.204 The continuation of inaccurate and misleading reporting post-closure and the potential harm to my creditworthiness constitute unfair and deceptive practices under Florida law. 

Request for Immediate Action : I am formally requesting : Removal of all inaccurate late payments, especially post-closure entries and unverifiable XX/XX/XXXX data. 

Correction of credit utilization to reflect either the true credit limit or a corrected balance. 

Updated account reporting showing accurate closure date and status, in accordance with federal and Florida law. 

Under FCRA 611, you are required to complete an investigation within 30 days. If the inaccurate information can not be verified, you must promptly delete it and send me an updated copy of my credit report. 

Please treat this letter as a formal dispute and respond accordingly. Failure to correct this information will result in further legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and Florida Attorney Generals Office. 

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