Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Subject : Dispute of Late Payment Reporting and Request for Balance Non-Disclosure Re : Dispute of Late Payment Reporting and Balance Disclosure XXXX XXXX XXXX XXXX Account ( Account # : XXXX ) Dear credit report agencies I am writing to formally dispute the inaccurate reporting of late payments and the display of my balance associated with my XXXX XXXX XXXX XXXX ( Account # : XXXX ) on my credit report. The information being reported is inaccurate and conflicts with my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Protection Act ( CCPA ). 

Account Details in Dispute : Account Type : Auto Loan Date Opened : XX/XX/year> Balance Reported : {$50000.00} ( as of XX/XX/year> ) Past Due Amount : {$990.00} ( as of XX/XX/year> ) Original Balance : {$49000.00} Basis for Dispute and Balance Non-Disclosure Request 1. Inaccurate Late Payment Reporting : The reported past-due amount of {$990.00} is incorrect and has not been properly validated. Under the FCRA ( 15 U.S.C. 1681e ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. If the late payment information can not be verified, it must be removed. 
2. Right to Privacy and Non-Disclosure of Balance : Section 913 of the CCPA ( 15 U.S.C. 1693k ) prohibits the display of financial account information, including balances, without lawful justification or explicit consent. I do not consent to the reporting or display of my account balance on my credit report and request its immediate removal. 
3. Violation of Consumer Protection Standards : The FCRA mandates that consumer information be reported fairly, accurately, and only for permissible purposes. The continued reporting of this accounts balance and late payments in their current form is neither fair nor compliant with federal law. 

Requested Actions : 1. Remove the inaccurate late payment information from my credit report immediately. 
2. Remove the balance information for this account from my credit report in accordance with my rights under federal law. 
3. Provide written confirmation of all corrections made to my credit report. 

Supporting Documentation : I have attached the following documents to assist in resolving this matter : A copy of my credit report with the disputed account highlighted. 


Conclusion : Please investigate this matter and provide a resolution within the 30-day timeframe required under the FCRA. If the information can not be verified as accurate, it must be deleted from my credit report. Additionally, my balance information must no longer be displayed to protect my privacy rights under the CCPA. 

Thank you for your immediate attention to this matter. If you require further information or documentation, please contact me directly at XXXX. 

Sincerely, 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