Consumer complaint received 2024-12-20 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: PA

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and Issues XXXX. Account Type and Details : o Listed as Installment and Secured Loan, but all fields like balance and past due amounts are {$0.00}. If the account is closed and paid, the data should reflect proper documentation. 
2. High Credit and Credit Limit : o Both High Credit and Credit Limit are listed as {$720.00}, which is consistent, but the Balance is {$0.00}, indicating it has been paid off. Ensure this reflects accurately in all comments. 
XXXX. Comments Conflict : o XXXX : " Closed. '' o Experian : No explicit comment, but status indicates " Paid. '' o XXXX : " Closed or paid account/zero balance secured. '' o There is a slight variation in how the closure is reported. 
XXXX. Date Last Active and Date of Last Payment : o XXXX and XXXX : XX/XX/XXXX. 
o Experian : XX/XX/XXXX. 
o There is a small discrepancy between the dates, which may need verification. 

XXXX. Payment History : o The Two-Year Payment History shows consistent OK statuses, but a few months have 30/60-day late payments earlier in the timeline. If these payments were disputed or resolved, documentation is required. 



XXXX XXXX XXXX  Account XXXX Inaccuracies and Issues XXXX. Future Reporting Dates : o Last Reported : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX o Reporting dates in the future violate the FCRA 's timeliness and accuracy standards. 
XXXX. Date Discrepancies : o Date Last Active and Date of Last Payment : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX o These dates must align, as inconsistencies suggest a lack of accurate data synchronization. 
XXXX. Comment Variations : o XXXX : " Closed. '' o Experian : " Paid. '' o XXXX : " Closed or paid account/zero balance secured. '' o These variations in comments lead to ambiguity regarding the account 's resolution status. 
4. Payment History Inconsistencies : o The Two-Year Payment History shows a mix of " 30/60-day late payments '' in the months leading up to the closure. If these were resolved or disputed, they should no longer appear. 
5. High Credit vs. Balance : o High Credit : {$510.00} o Balance : {$0.00} o While consistent, the report does not clearly explain if the high credit reflects actual usage or erroneous data. 



XXXX Account XXXX Inaccuracies and Issues XXXX. Account XXXX and XXXX XXXX : o XXXX and XXXX : " Secured credit card. '' o Experian : " Credit line secured. '' o The description of the account type is inconsistent and requires clarification. 
XXXX. High Credit and Credit Limit Conflict : o XXXX : High Credit : {$260.00}, XXXX XXXX : {$220.00}. 
o Experian : High Credit : {$260.00}, Credit Limit : {$220.00}. 
o XXXX : High Credit : {$120.00}, Credit Limit : {$0.00}. 
o The high credit exceeds the credit limit on some reports, while XXXX reports no credit limit. This requires verification. 

XXXX. Comments Conflict : o XXXX : " Charged off as bad debt. Profit and loss write-off. '' o Experian : " Unpaid balance reported as a loss by the credit grantor. '' o XXXX : " Charged off account. Secured credit card. '' o The comments vary in explanation of the account 's charge-off and should be aligned. 
XXXX. Date Discrepancies : o Date Last Active : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
o Date of Last Payment : XXXX : XX/XX/XXXX. 
Experian : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
o These differences in activity and payment dates need to be clarified. 
XXXX. Payment History Inconsistencies : o The Two-Year Payment History shows mixed statuses, with " CO '' ( Charge Off ) and " OK '' ( Paid ). This inconsistency suggests inaccuracies in how the payment history was reported. 



The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief