Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : Dispute of Inaccurate Reporting XXXX  ( Account Ending in XXXX ) To Whom It May Concern, I am writing to formally dispute inaccuracies related to the reporting of the XXXX  account ending in XXXX on my XXXX credit report. The payment history for this account reflects a sudden 90-day late payment in XXXX  without any prior progression of delinquencies ( e.g., 30 days late, 60 days late ). This reporting is inaccurate, misleading, and constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Information 1. Sudden 90-Day Late Payment in XXXX  : The accounts payment history transitions directly from Current to 90 days late in 2018, without any prior delinquency markers ( 30 days or 60 days late ). 
This lack of progression contradicts standard reporting practices, which require accurate representation of delinquencies. 
2. Negative Account Status : The account is marked as Negative, despite being reported as Current in subsequent years. This contradiction unjustifiably harms my creditworthiness. 

FCRA Violations 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy in the information they report. Reporting a 90-day late payment without evidence of 30-day and 60-day delinquencies is inaccurate and misleading.

2. 15 U.S.C. 1681i ( a ) : Upon receiving a dispute, XXXX must conduct a reasonable reinvestigation. If the information can not be verified as accurate, it must be corrected or deleted. 

Requested Resolution To resolve this matter, I request the following actions : 1. Immediate Correction or Deletion : Remove the 90-day late payment from XXXX, as it lacks supporting evidence of prior delinquencies. 
Update the account status to reflect its Current standing and remove the Negative designation.

2. Verification Documentation : Provide documentation from Aidvantage verifying the accuracy of the reported payment history, including evidence of a 30-day and 60-day delinquency prior to the 90-day late payment. 
XXXX. Written Confirmation : Provide written confirmation of the investigation results and any updates made to my credit report. 

Supporting Documentation 1. A screenshot of the XXXX account on my credit report highlighting the discrepancies.

2. A copy of my government-issued ID and proof of address for verification. 

Next Steps Under the FCRA, Credit Bureaus are required to investigate this dispute within 30 days of receiving this letter. If the reported information can not be verified as accurate, credit bureaus must delete it from my credit report immediately. 

If this dispute is not resolved promptly, I will consider additional actions to enforce my rights under the FCRA, including seeking compensation for damages caused by the inaccurate reporting. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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