Consumer complaint received 2024-09-06 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:
Dear Experian, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding multiple items that is listed on my consumer credit report. See below 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 XXXX XXXXXXXX Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

As proof of my identity, I have included copies of my drivers license and proof of address. I have also included a copy of my credit report with the account I am requesting to have verified. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 


I am disputing the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( It shows an inaccuracy reporting from XXXX XXXX XX/XX/year> of blank reporting dates as well as reporting 30-150 days and shows inaccuracy reporting late payments, status of payment, highest balance shows {$310.00} and {$170.00} and must only report one balance, last payment date is inaccurate which shows one date for XX/XX/year> and another date XX/XX/year> which are all inaccuracies across all 3 credit bureaus of Experian, XXXX and XXXX and according to the FCRA it must show all consistency across all 3 bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( It shows an inaccuracy reporting from XXXX XXXX XXXX  of missing reporting dates as well the dates are not matching reporting across all 3 credit bureaus and shows inaccuracy reporting late payments, it shows an inaccuracy of different past due amounts which shows one for {$78.00} and one for {$110.00} which must only show one past due amount across all 3 credit bureaus, it shows 2 different past due balances which shows one for {$520.00} and one for {$540.00} and it must show one balance across all 3 credit bureaus, it shows 2 different balances of {$39.00} and one for {$37.00} which is another inaccuracy and according to the FCRA it must show all consistency across all 3 bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( It shows an inaccuracy reporting of different balances of {$1400.00} and another one for {$1500.00} which is an inaccuracy, It shows an inaccuracy reporting from missing dates from XXXX XXXX XXXX it shows XXXX different past due amounts of {$76.00} and XXXX for {$170.00}, monthly payments shows XXXX for {$100.00} and XXXX for {$100.00} which is another inaccuracy and the balances do not match which are all inaccuracies across all XXXX credit bureaus of Experian, XXXX and XXXX and according to the FCRA it must show all consistency across all 3 bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX ( It shows an inaccuracy of dates not matching, It shows an inaccuracy reporting from XXXX XXXX XXXX and even shows no reporting dates for XXXX which is a big violation, It shows two different balances of {$810.00} and one for {$820.00} which is another inaccuracy, the monthly payment amounts are missing which are all inaccuracies across all 3 credit bureaus of Experian, XXXX and XXXX and according to the FCRA it must show all consistency across all 3 bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 

XXXX XXXX XXXX XXXX Account # XXXX ( The dates reporting are showing Collections but revert back to XXXX, XXXX, XXXX which is a violation of inconsistency and inaccuracy of reporting which is a major violation and also missing dates of reporting across all XXXX credit bureaus, monthly payments are missing, scheduled payment amount is missing which are all inaccuracies across all XXXX credit bureaus of Experian, XXXX and XXXX and according to the FCRA it must show all consistency across all XXXX bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( It shows an inaccuracy reporting of all dates and shows inaccuracy reporting late payments, status of payment, highest balance are inaccurate and must only report one balance, last payment date is inaccurate which are all inaccuracies across all 3 credit bureaus of Experian, XXXX and XXXX and according to the FCRA it must show all consistency across all XXXX bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( It shows an inaccuracy reporting of all dates and shows inaccuracy reporting late payments, status of payment, highest balance are inaccurate and must only report one balance, last payment date is inaccurate which are all inaccuracies across all XXXX credit bureaus of Experian, XXXX and XXXX and according to the FCRA it must show all consistency across all XXXX bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( It shows an inaccuracy reporting of all dates and shows inaccuracy reporting late payments, status of payment, highest balance are inaccurate and must only report one balance, last payment date is inaccurate which are all inaccuracies across all 3 credit bureaus of Experian, XXXX and XXXX and according to the FCRA it must show all consistency across all XXXX bureaus ) Due to all of these inaccuracies, this account is demanded for deletion immediately. 

All of these accounts remain unmarked as disputed after 3 rounds of disputes with your agency. This indicates a failure to notify the creditors and lack of a proper investigation on your part, both of which violate the Fair Credit Reporting Act ( FCRA ). Any charged-off accounts should not have an active payment history. All of these inaccurate reportings I have listed above falsely manipulates the statute of limitations which is immediate grounds for a lawsuit against your agency. Given these discrepancies, it is clear that the account information is not 100 % accurate which deems it INACCURATE under the Fair Credit Reporting Act. Your agency has also failed to properly investigate the above accounts after I requested which has violated my consumer rights. What documentation did you provide me with my legible ink signature that proves these accounts are legally mine and in writing? I am fully demanding for the last time the immediate deletion of all accounts above from my credit report and request written confirmation of the deletions. 

Sincerely, 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