Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #11458624

Complaint Overview

Complaint ID: 11458624

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: New York

ZIP Code: 10463

Date Received: 2025-01-09T12:00:00-05:00

Date Sent to Company: 2025-01-09T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer 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 ), XXXX XXXX. XXXX 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. Late Payment Reporting XX/XX/XXXX : o XXXX : OK ( on-time ) o Experian : RF ( Repossession Flag ) o XXXX : XXXX ( on-time ) XX/XX/XXXX : o XXXX : Charge Off ( " CO '' ) o Experian : RF ( Repossession Flag ) o XXXX : OK ( XXXX ) Experian reports " RF '' ( Repossession Flag ) for XXXX and XX/XX/XXXX, while XXXX shows " CO '' ( Charge Off ) and XXXX shows " OK '' ( on-time ). The inconsistency suggests Experian XXXX have reported a repossession prematurely or incorrectly. XXXX. Date Last Active Discrepancy Date Last Active : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier Date Last Active compared to XXXX and Experian, which may indicate outdated reporting. XXXX. Last Reported Date Discrepancy Last Reported Date : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports a later Last Reported Date compared to XXXX and Experian, which suggests delayed or incorrect updates. XXXX. Comments Section Comments : o XXXX : " Charged off as bad debt. Profit and loss write-off. '' o Experian : " Merchandise was taken back by credit grantor. Unpaid balance reported as a loss by the credit grantor. '' o XXXX : " Charged off account. Accounts closed by credit grantor. '' Comments are inconsistent across all three bureaus, leading to confusion about the status of the account. XXXX. Payment History Reporting XXXX : Reports " CO '' ( Charge Off ) for multiple months in XXXX, but earlier months ( XXXX ) are OK. Experian : Shows RF ( Repossession Flag ) for XXXX and XX/XX/XXXX, while earlier months are OK. XXXX : Reports " OK '' ( on-time ) for the same months. The inconsistent payment history suggests incomplete or incorrect reporting by XXXX or more bureaus. Summary of Inaccuracies Field XXXX Experian XXXX Issue Late Payments ( XXXX ) CO RF OK Experian shows repossession, XXXX shows charge-off, and XXXX shows on-time. Late Payments ( XXXX ) OK RF OK Experian reports repossession while others report on-time. Date Last Active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an earlier Date Last Active. Last Reported Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports a later Last Reported Date. Comments '' Charged off ... '' '' Merchandise ... '' '' Charged off ... '' Comments are inconsistent across bureaus. XXXX Account # XXXX Inaccuracies and Issues XXXX. Late Payment Reporting XX/XX/XXXX : o XXXX : OK ( on-time ) o Experian : OK ( on-time ) o XXXX : XXXX Days XXXX XX/XX/XXXX : o XXXX : OK ( on-time ) o Experian : OK ( on-time ) o XXXX : XXXX Days Late XXXX reports " XXXX Days Late '' for XXXX and XX/XX/XXXX, while XXXX and Experian report " OK '' ( on-time ) . This inconsistency suggests possible reporting errors by XXXX. XXXX. Payment Status Payment Status : o XXXX : Collection/Chargeoff o Experian : Collection/Chargeoff o XXXX : Late XXXX Days While XXXX and Experian reflect the account 's charge-off status, XXXX incorrectly reports it as " Late XXXX Days. '' This inconsistency may misrepresent the account 's resolution. XXXX. Last Reported Date Discrepancy Last Reported Date : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX Experian reports an earlier Last Reported Date compared to XXXX and XXXX, which may indicate outdated information. XXXX. Comments Section Comments : o XXXX : " Payment after charge-off/collection. Dispute resolved ; customer disagrees. '' o Experian : " Subscriber reports dispute resolved - consumer disagrees. Account legally paid in full for less than the full balance. '' o XXXX : " Consumer disputes after resolution. Settlement accepted on this account. '' Comments across the XXXX bureaus are inconsistent, leading to possible confusion about the account 's status. XXXX. Date Last Active Date Last Active : o XXXX : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX XXXX reports an earlier Date Last Active compared to XXXX and Experian, which suggests outdated reporting. Summary of Inaccuracies Field XXXX Experian XXXX Issue Late Payments ( XXXX XXXX ) OK OK XXXX XXXX reports late payments while others report on-time. Payment Status Collection/Chargeoff Collection/Chargeoff Late XXXX Days XXXX XXXXeports late status instead of charge-off. Last Reported Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian reports an earlier Last Reported Date. Comments '' Dispute resolved ... '' '' Paid in full ... '' '' Disputes after ... '' Comments are inconsistent across bureaus. Date Last Active XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX reports an earlier Date Last Active. Applicable Legal Basis for Dispute XXXX. Verification Requirement ( XXXX XXXX. XXXX ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. XXXX. Obligation of Accuracy ( XXXX XXXX. XXXX ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. XXXX. Re-Aging of Debt ( XXXX XXXX. XXXX ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed XXXX years. XXXX. Validation of Debt ( Fair Debt Collection Practices Act, XXXX XXXX. XXXX ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed

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