Consumer complaint received 2025-01-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Credit Report Inaccuracies Dear Experian I am writing to dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA, 15 U.S.C . 1681 et seq. ). Below, I have outlined the specific inaccuracies and request that these errors be investigated and corrected promptly.

Inaccuracies : 1. Personal Information : My only name is XXXX XXXX XXXX remove all others names 2. My only personal information is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. DO XXXX XX/XX/XXXX SS # XXXX XXXX. Delete anything else other than my only personal information XXXX. 
* My name is inconsistently reported as ", '' " XXXX XXXX, '' ", '' and " XXXX XXXX. '' * These errors could indicate merged or inaccurate records. 
XXXX. Derogatory Accounts : * XXXX  : * Balance : {$260.00}. 
* Inconsistent reporting of credit limit across bureaus ( e.g., {$250.00} vs. {$0.00} reported ). 
* Discrepancies in account status and remarks violate FCRAs accuracy requirements ( 15 U.S.C. 1681e ( b ) ). 
* XXXX XXXX  : * Account marked " Charged Off '' with discrepancies in reported high credit and balance amounts between bureaus. 
9. Collection Accounts : * XXXX XXXX XXXX ( XXXX ) : * Balance ( {$450.00} ) exceeds high credit ( {$390.00} ), which is inconsistent and inaccurate.

* Reporting such discrepancies violates 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report accurate information.

* Additionally, I request verification under 15 U.S.C. 1681b to ensure the collection account is authorized and reported in compliance with the law. 
XXXXXXXX XXXX XXXX Account : * Payment History Reporting Discrepancy : * XXXX reports late payments of XXXX, XXXX, and 60 days for XXXX, XXXX, and XX/XX/XXXX, but Experian and XXXX do not report any payment history for this period. 
* This inconsistency suggests incomplete or inaccurate reporting. 
* Past Due Amount : * A significant past due amount of {$4600.00} is reported without clear substantiation. 
* Credit Limit : * The credit limit is reported as {$0.00}, which misrepresents the nature of an auto loan. 
XXXX. Inquiries : * Multiple inquiries were made to my credit file from various creditors, including but not limited to : * XXXX XXXX XXXX : Auto Financing ( XX/XX/XXXX, Experian ). 
* XXXX XXXX XXXX : Miscellaneous Finance ( XX/XX/XXXX, Experian ). 
* XXXX XXXX XXXX XXXX : Auto Financing ( XX/XX/XXXX, Experian ). 


* XXXX XXXX XXXX XXXX XXXX, XXXX ( XX/XX/XXXX, Experian ). 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Used ( XX/XX/XXXX, Experian ). 
* XXXX XXXX : XXXX XXXX ( XX/XX/XXXX, Experian ). 
* XXXX  : Personal Loan Companies ( XX/XX/XXXX, Experian ). 
* XXXX XXXX : XXXX XXXX ( XX/XX/XXXX, Experian ). 
* XXXX XXXX XXXXXXXX XXXX : Auto Financing ( XX/XX/XXXX, Experian ). 

XXXX XXXX XXXX : Personal Loan Companies ( XX/XX/XXXX, Experian ). 

* XXXX XXXX XXXX : Bank XXXX XXXX ( XX/XX/XXXX, Experian ). 


* XXXX XXXX  XXXX Bank XXXX XXXX XXXX XX/XX/XXXX, Experian ). 

* I request validation of permissible purpose under 15 U.S.C. 1681b. If these inquiries were not authorized or do not meet the permissible purposes defined in the FCRA, they should be removed from my credit report immediately.

Request for Action : 1. Investigate the listed inaccuracies and provide documentation verifying the accuracy of the disputed information.

2. Remove or correct any unverifiable or inaccurate data as required by 15 U.S.C. 1681i.

3. Notify me of the results of your investigation an
d provide an updated credit report.

I have enclosed a copy of my credit report with the disputed items highlighted for your convenience.

Supporting Documents : * [ List supporting documents, if any, such as identity verification, credit report, or dispute highlights. ] If this matter is not resolved within the required timeframe, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and keep me informed of your progress. 

Sincerely, XXXX XXXX XXXX XXXX : * Consumer Financial Protection Bureau ( CFPB )

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