Harvey Ryan Jr

204 Sassafras St
Hutto, TX 78634
DOB: February 15, 1967
SSN: 522-37-4780

Experian's National Consumer Assistance

PO Box 4500
Allen, TX 75013

November 28, 2023

Subject: Dispute of Inaccuracies in My Credit Report

Dear Experian,

I am writing to inform you about several inaccuracies and incomplete items I have identified on
my consumer credit report. These discrepancies require immediate investigation and correction.
The inaccuracies I have uncovered are as follows:

SYNCB/PPC: Account number: 604419213316

I have identified inaccuracies in this account, and I am formally requesting a re-investigation of
the payment history. It is crucial to verify the accuracy of all data, including notations, dates, and
balances, regardless of whether they have been reported. I urge you to promptly correct the
erroneous late payment reporting and update it to reflect "paid as agreed.".
Last Verified Date Discrepancy:
 Transunion reports the Last Verified date as 8/5/2022, while Experian reports it as not
verified. The inconsistency in reporting the Last Verified date can be flagged for review.
Payment Status Conflict:
 Transunion and Experian report "Paid," while Equifax reports "Closed or paid account/zero
balance." The discrepancy in reporting the Payment Status can be considered an inaccuracy.
Cancellation Status Inconsistency:
 Transunion reports "Canceled by credit grantor," Experian reports "Account has been closed
due to inactivity," and Equifax reports "Closed or paid account/zero balance" and "Accounts
closed by credit grantor." The inconsistency in reporting the cancellation status can be
flagged for review.
Credit Limit Difference:
 Transunion and Experian report a Credit Limit of $4,500, while Equifax reports it as blank.
The discrepancy in reporting the Credit Limit can be considered an inaccuracy.
Closed Date Variation:
 Transunion reports the Closed Date as 8/5/2022, Experian reports it as not closed, and
Equifax reports it as 5/1/2023. The inconsistency in reporting the Closed Date can be
flagged for review.
CAPITOLCRDUN: Account number: 33513260098
I have identified inaccuracies in this account, and I am formally requesting a re-investigation of
the payment history. It is crucial to verify the accuracy of all data, including notations, dates, and
balances, regardless of whether they have been reported. I urge you to promptly correct the
erroneous late payment reporting and update it to reflect "paid as agreed.".
Last Verified Date Discrepancy:
 Experian reports the Last Verified date as not verified, while Transunion reports it as
8/5/2022. The discrepancy in reporting the Last Verified date can be flagged for review.
Payment Status Conflict:
 Transunion reports "Closed," while Experian reports "Paid." The discrepancy in reporting
the Payment Status can be considered an inaccuracy.
Closed Date Variation:
 Experian reports no Closed Date, while Transunion reports it as 8/5/2022, and Equifax
reports it as 5/1/2023. The inconsistency in reporting the Closed Date can be flagged for
review.
Term Length Discrepancy:
 Experian reports no information about Term Length, while Transunion and Equifax report it
as 100 months. The inconsistency in reporting the Term Length can be considered an
inaccuracy.
Credit Limit Discrepancy:
 Transunion and Equifax report no information about Credit Limit, while Experian reports it
as $0. The inconsistency in reporting the Credit Limit can be considered an inaccuracy.

I want to emphasize the critical importance of rectifying these errors promptly. These
inaccuracies have already had adverse consequences, including my recent credit denial. This
situation not only adds significant stress but also misrepresents my financial responsibility and
character.

Given the recent credit denials and the impact of these inaccuracies on my financial standing, I
kindly request that you initiate a thorough investigation into the aforementioned inaccuracies and
take the necessary steps to correct them as soon as possible. Additionally, I request that you
provide me with an updated copy of my consumer disclosure once these errors have been
rectified.

I am aware of your legal obligation, as stipulated by the Fair Credit Reporting Act (FCRA), to
investigate and correct any inaccuracies on my credit report within 30 days. I kindly request that
you adhere to this timeline in your investigation process.

Your prompt attention to this matter is greatly appreciated. I look forward to a swift resolution
and the restoration of the accuracy of my credit report.

Thank you for your assistance in resolving this issue.

Sincerely,
Harvey Ryan Jr