Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
To : whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$7700.00} Date open : XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 
High Credit : XXXX is currently showing {$12.00}, XXXX, Experian and XXXX show XXXX. 
Lasted Reported : XXXX show XX/XX/XXXX, Experian show XX/XX/XXXX, and XXXX show XX/XX/XXXX. All three Credit Reporting Agency are showing difference dates. Please delete Date of Last Active : XXXX XXXX XX/XX/XXXX, Experian XXXX XX/XX/XXXX, and XXXX show XX/XX/XXXX. 
Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

Account Name : XXXX BANK Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is XXXX XX/XX/XXXX. Experian XXXX XX/XX/XXXX, and XXXX show XX/XX/XXXX High Credit : XXXX is reporting {$1100.00} and Experian XXXX XXXX, and XXXX show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. Experian XXXX XX/XX/XXXX and XXXX show XX/XX/XXXX Date of Last Active : XXXX XXXX XX/XX/XXXX, Experian show XX/XX/XXXX and XXXX show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX XXXX it MUST be delete. 

Account Name : XXXX Account : XXXX PAST DUE BALANCE : {$1400.00} Date open : XX/XX/XXXX High Credit : {$1200.00} Lasted Reported : XX/XX/XXXX Date of Last Active : XX/XX/XXXX XXXX is reporting past dues amount of {$1400.00} on collection/charge off account. Inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

Account Name : XXXX XXXX XXXX XXXX Account : XXXX PAST DUE BALANCE : PAID Date open : XX/XX/XXXX High Credit : {$53000.00} Lasted Reported : XX/XX/XXXX Date of Last Active : XX/XX/XXXX Experian-reporting this account is paid in Full, in the comment section it states unpaid balance reported as a loss by credit grantor. 

This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX Date opened : XXXX is reporting XX/XX/XXXX, and Experian is reporting XX/XX/XXXX. This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 
Lasted Reported : XXXX is reporting XX/XX/XXXX and Experian reporting XX/XX/XXXX. This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 
Date of Last Active : XXXX reporting XX/XX/XXXX and Experian reporting XX/XX/XXXX. Inaccurate is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, XXXX XXXX XXXX

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