Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Subject : Dispute, Correction of Inaccurate Credit Information, and Request for Trade Line Removal, I hope this letter finds you well. I am writing to bring to your attention certain inaccuracies present in my credit report that require immediate attention, correction, and the removal of certain trade lines. I have recently obtained a copy of my credit report, and after careful review, I have identified several inconsistencies that I believe warrant investigation, rectification, and the removal of the corresponding trade lines.

I would like to draw your attention to the following discrepancies in my credit report : XXXX. Account XXXX : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - High Balance : {$640.00} - Account Balance : {$0.00} - Last Reported : XX/XX/XXXX - Remarks : " Consumer Disputes- Reinvestigation In Progress '' - Inconsistency : The account balance is reported as {$0.00} despite the previous high balance of {$640.00}. 
- Request : Please investigate and correct this discrepancy, and consider removing this trade line from my credit report. 

XXXX. Account XXXX : XXXX XXXX  - Date Opened : XX/XX/XXXX - High Balance : {$6100.00} - Account Balance : {$6100.00} - Last Reported : XX/XX/XXXX - Remarks : " Canceled By XXXX XXXX, '' " Consumer Disputes- Reinvestigation In Progress '' - Inconsistency : The remarks indicate a " Canceled By XXXX XXXX '' status, which conflicts with the reported high and account balance. 
- Request : Please investigate and correct this discrepancy, and consider removing this trade line from my credit report. 

XXXX. Account XXXX : XXXX XXXX  - Date Opened : XX/XX/XXXX - High Balance : {$2200.00} - Account Balance : {$2200.00} - Last Reported : XX/XX/XXXX - Remarks : " Account Previously In Dispute Now Resolved Reported By Subscriber, '' " Dispute Resolved Reported By XXXX, '' " Consumer Disputes- Reinvestigation In Progress '' - Inconsistency : The account balance of {$2200.00} is reported as slightly less than the high balance, which is inconsistent. 
- Request : Please investigate and correct this discrepancy, and consider removing this trade line from my credit report. 

I kindly request that you initiate an investigation into these inaccuracies, correct the discrepancies in my credit report, and remove the corresponding trade lines that are inaccurately reported. In addition, I have attached relevant documents and records that support my claims and provide evidence of the correct account information. 

I understand that it is essential to maintain accurate and up-to-date credit information, and I am confident that your expertise will ensure the timely resolution of these issues. Please provide me with written confirmation once the corrections have been made to my credit report, and the requested trade lines have been removed. 

Thank you for your prompt attention to this matter. I look forward to your response and the successful resolution of these discrepancies. If you require any further information or documentation,

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