Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. However, to this date, I have not received any response. 

The XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) account is being reported incorrectly. The Balance of {$11000.00} is disputed, as I recall the amount to be lower. Additionally, the Past Due amount should not be reported as the account is closed and charged-off. I request that this account be marked as disputed to prevent any further negative impact on my credit score. 


The XXXX ( Date Opened : XX/XX/XXXX, Balance : {$920.00} ) account has inaccurate information which is causing significant harm to my credit reputation. The Balance of {$920.00} reported by your agency does not correspond to the lower amount that I remember. Moreover, the Past Due information should be revised as this is a closed and charged-off account. I request that this account be marked as disputed to prevent any further negative impact on my credit score. 


The XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ) account information is also inaccurate. I dispute the Balance of {$1100.00} reported by your agency as it does not match my recollection. Additionally, the Past Due amount should not be reported for a closed and charged-off account. I request that this account be marked as disputed until the issue can be resolved with the creditor. Furthermore, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


The XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4100.00} ) account information is also inaccurate. While I am aware of the original creditor for this account, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I do not recognize the company stated on this account, XXXX XXXX, as I do not have any contract with them. The Balance of {$4100.00} is disputed, as I recall the balance to be lower. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 


I have found inaccurate information in my credit report for the XXXX XXXX  account ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ). While I am aware of the original creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I do not recognize the collection agency that you have reported, as I have no contract with them. The Balance of {$2400.00} reported by you is inaccurate, as I believe it should be a lower amount. Additionally, you have reported a Balance that is higher than the High Balance on the same account, which proves the inaccuracy of your reporting. Considering these inaccuracies, I am disputing the entire account and requesting that the following dates be verified : Date Opened and Date of First Delinquency. 


Similarly, the information presented on the XXXX  XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) is unknown to me, as I only have a contract with the original creditor XXXX XXXXXXXX XXXX XXXX. The Balance of {$2500.00} is higher than the amount I remember, and I dispute the entire account on this basis. Please verify the following dates : Date Opened, Date of First Delinquency, Date of Status, and First Reported. 


I also request that you review the account XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), as I am familiar with the actual original creditor on the current account XXXX  XXXX XXXX, but I do not recognize XXXX. The Balance of {$1700.00} that you state for this account is higher than the amount I remember. I dispute the entire account on this basis and request that the following dates be verified by your agency : Date Opened and Date of First Delinquency. 


The information presented on the XXXX XXXX  XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ) is also imprecise. I only know of the original creditor XXXX XXXX, and the collection agency you reported is unknown to me. The Balance of {$3300.00} is higher than the amount I remember, and I dispute the entire account on this basis. Please verify the following dates on this account : Date Opened, Date of First Delinquency, Date of Status, and First Reported. 


Regarding the XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$800.00} ), I require that you verify it because your reporting represents the information incorrectly. The Balance of {$800.00} reported by you is inaccurate, as I believe it should be a lower amount. Additionally, the Past Due amount should not be presented by you, as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor, so that this account is not held against my credit standing. 
Furthermore, I require that you verify the Date Opened, Date of Status, and First Reported. 


Finally, I have found inaccurate information on my credit report for the XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) account. Although I know the original creditor to be XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I have not been contacted by XXXX XXXX. The reported XXXX of {$2000.00} is inflated and inaccurate. I do not recognize this amount and believe that I owe a lower amount. Due to these inaccuracies, I dispute the entire account and request that the following dates be verified : Date Opened and Date of First Delinquency.

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