Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a formal dispute regarding the inaccurate information on my credit report, which I brought to the attention of Experian on XX/XX/XXXX. Despite the considerable time that has passed, Experian has failed to respond or rectify the following discrepancies. I kindly request your intervention in addressing this matter. 


XXXX XXXX XXXX  Account Date Opened : XX/XX/XXXX Balance : {$1500.00} Experian is reporting inaccurate information for the XXXX XXXX XXXX account. The original creditor for this account is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX. I have never had any contractual relationship with XXXX XXXX XXXX nor been contacted by them. Furthermore, the reported balance of {$1500.00} is different from the amount I believe I owe. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 

XXXX XXXX XXXX Account Date Opened : XX/XX/XXXX Balance : {$3800.00} The information presented for the XXXX XXXX XXXX account is also incorrect. The original creditor for this account is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX. Experian provides erroneous information about the balance, reporting it as {$3800.00}, which is different from the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 

XXXX Account Date Opened : XX/XX/XXXX Balance : {$4000.00} Experian inaccurately reports data for the XXXX account. I am uncertain about the accuracy of the reported balance of {$4000.00}, as it exceeds the amount I recall owing. The account is indicated as closed and charged-off, and therefore the Past Due amount should not be provided. I will clarify this matter with the creditor. Meanwhile, I request that Experian mark this account as disputed to prevent further negative impact on my credit score. Additionally, I request verification of the Date Opened, Date of Status, and First Reported for this account. 

XXXX XXXX  XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} The XXXX XXXX XXXX account listed on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$370.00} The XXXX account indicated on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX  Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} The XXXX account listed on my credit report has never been late. Please correct and update this inaccurate information accordingly. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$240.00} The XXXX account indicated on my credit report has never been late. Please correct and update this inaccurate information accordingly.

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