Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC, XXXX Last XXXX of XXXX Experian XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/XXXX Attn. : Consumer Relations Department To Whom It May Concern, These addresses are undeliverable to me by the US postal service and needs to be deleted from my credit file immediately : XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX On ( XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying you have not complied with my request. I regret that I am having to exercise my rights under law. 

Please investigate and delete this account Collection Account : XXXX XXXX  Account Number : XXXX This account is also reporting different dates of last activity. XXXX and XXXX are reporting that the date of last activity as XX/XX/XXXX. Experian is reporting that the date of last activity is XX/XX/XXXX. The Length of terms are reporting different lengths of time according to each credit bureau and the company reporting this information. The notice that XXXX sent me also says the term of this installment is 72 months whereas my credit XXXX and XXXX reports says the term is monthly. Experian states the term is 74 months. There is no way that this account has 3 different terns and two different dates of last activity please delete this account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC, XXXX Last XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XX/XX/XXXX Attn. : Consumer Relations Department To Whom It May Concern, These addresses are undeliverable to me by the US postal service and needs to be deleted from my credit file immediately : XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX On ( XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying you have not complied with my request. I regret that I am having to exercise my rights under law. 

Please investigate and delete this account Collection Account : XXXX XXXX  Account Number : XXXX This account is also reporting different dates of last activity. XXXX and XXXX are reporting that the date of last activity as XX/XX/XXXX. Experian is reporting that the date of last activity is XX/XX/XXXX. The Length of terms are reporting different lengths of time according to each credit bureau and the company reporting this information. The notice that XXXX sent me also says the term of this installment is 72 months whereas my credit XXXX and XXXX reports says the term is monthly. Experian states the term is 74 months. There is no way that this account has 3 different terns and two different dates of last activity please delete this account from my credit report. This account was charge off as of XX/XX/XXXX. Since then, the account has been reporting updated as a charge off every month. This is an update to the payment history which to my understanding charge off accounts should include an active payment history. Need I remind you this falsely manipulating my statute of limitations. I demand deletion of the following account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC, XXXX Last XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX, XXXX Attn. : Consumer Relations Department To Whom It May Concern, These addresses are undeliverable to me by the US postal service and needs to be deleted from my credit file immediately : XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX On ( XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. I have received a notice from you all stating that you were unable to process my request because you were unable to determine the nature of my request. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying you have not complied with my request. I regret that I am having to exercise my rights under law. 
Please reinvestigate and delete this account Collection Account : XXXX XXXX Account Number : XXXX This account is also reporting different dates of last activity. XXXX and XXXX are reporting that the date of last activity as XX/XX/XXXX. Experian is reporting that the date of last activity is XX/XX/XXXX. The Length of terms are reporting different lengths of time according to each credit bureau and the company reporting this information. The notice that XXXX sent me also says the term of this installment is 72 months whereas my credit XXXX and XXXX reports says the term is monthly. Experian states the term is 74 months. There is no way that this account has 3 different terns and two different dates of last activity please delete this account from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC, 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