Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 and request corrections for inaccurate information on my Experian credit report, which I first brought to Experian 's attention on XX/XX/XXXX. Despite my initial contact, Experian has not responded to my dispute. I kindly request your assistance in resolving this matter. The following are the details of the inaccurate information and the necessary corrections : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Credit Limit : {$300.00} Issue : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account : XXXX XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} Issue : The following account was never late. Please correct/update this inaccurate information on my credit report. 

Account : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$750.00} Issue : The following account is not mine. Please remove it from my credit report. 

Account : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Credit Limit : {$2000.00} Issue : The following account is not mine. Please remove it from my credit report. 

Account : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$800.00} Issue : The account must be reviewed by you. I recall the company that is the actual original creditor on the current account is XXXX XXXX XXXX XXXX XXXX, but I do not know of XXXX XXXX. The Balance of {$800.00} that you state for this account is higher than the amount that I remember. As a consequence of the aforementioned inaccuracies, I dispute the entire account and request to have the following dates verified by your agency : the Date Opened and the Date of First Delinquency. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} Issue : The information presented on this account is imprecise. I only know of the original creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; the collection agency you reported is unknown to me. I do not agree with the Balance of {$5600.00}, as it is higher than the amount I remember. For these reasons, I dispute the entire account and ask that you verify the following dates on this account : Date Opened, Date of First Delinquency, Date of Status, and First Reported. 

Account : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : Because of incorrectly reported data, I require that your bureau verifies this account. I am unsure of the accuracy of the Balance of {$1700.00} that you report for this account because I don't recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed to prevent further negative impacts on my credit score. Additionally, I request you to verify the Date Opened, Date of Status, and First Reported for this account.

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