Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: NH
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 formally dispute the inaccurate information reported on my credit report by Experian. Despite my attempts to rectify these errors by contacting Experian on XX/XX/XXXX, they have not responded or taken any action to correct the inaccuracies. As per my rights under federal law, I kindly request your intervention and assistance in addressing these concerns. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$500.00} ) : Due to the incorrectly reported data, I request that Experian verifies the accuracy of the reported Balance of {$500.00} for the XXXX XXXX  account. I do not recall owing such a high amount, and the account has been presented as closed and charged-off by your agency, indicating that the Past Due amount should not be provided. While I work towards clarifying this matter with the creditor, I ask that Experian mark this account as disputed to prevent any 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 Account ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ) : I require Experian to verify the XXXX XXXX account due to the inaccuracies in your reporting. The reported Balance of {$560.00} is inconsistent with my recollection, and the inclusion of a Past Due amount is incorrect as this account is closed and charged-off. I kindly request that Experian mark this account as disputed while I resolve the dispute with the creditor, ensuring it does not negatively impact my credit standing. Furthermore, I request verification of the Date Opened, Date of Status, and First Reported for this account. 
XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$6600.00} ) : The reporting of the XXXX XXXX account by Experian requires examination due to incorrect reporting. The reported Balance of {$6600.00} appears to be higher than what I remember. As Experian has presented this account as closed, the Past Due amount should not be provided. I believe it would be beneficial to address the misleading data directly with the creditor. While I take immediate action to resolve this matter, I request that Experian report the account as disputed. 
XXXX XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ) : The XXXX XXXX XXXX XXXX account is inaccurately reported on my credit report. The reported Balance of {$1400.00} is inflated and does not correspond to the amount I recognize. Additionally, the inclusion of a Past Due amount for a closed and charged-off account is inaccurate. I intend to contact the creditor directly to rectify this distorted information. Therefore, I request that Experian mark this account as disputed until a resolution is reached. 
XXXX XXXX XXXX XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : The information indicated on the XXXX XXXX BANK N.A. account is imprecise. The reported Balance of {$1000.00} exceeds the amount I remember. The inclusion of a Past Due amount for a closed and charged-off account is incorrect. I plan to communicate with the creditor to clarify the reported data. Until the appropriate corrections are made, I request that Experian mark this account as disputed. 
XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) : This account does not belong to me, and I request its immediate removal from my credit report.

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