Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10063539
Complaint Overview
Complaint ID: 10063539
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 32822
Date Received: 2024-09-08T12:00:00-05:00
Date Sent to Company: 2024-09-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX Experian Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g., XXXX XXXX XXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. XXXX : HighesXXXX reported balance : $ XXXX balance owed XXXX XXXX XXXX status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to Experian, the account was closed due to inactivity, while XXXX indicates it was reported as a loss by the creditor. Furthermore, XXXX provides different information about the high balance. This inconsistency violates the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information. Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. I am requesting that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. I have attached copies of my credit report highlighting the discrepancies and inaccurate information for your reference. Thank you for your prompt attention to this matter. I look forward to your quick response.
Frequently Asked Questions
What is Complaint #10063539 about?
Complaint #10063539 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-09-08T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.