Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: FL
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 file a formal complaint against Experian concerning inaccuracies present on my credit report. On XX/XX/XXXX, I initiated contact with Experian to dispute certain information that I believe is erroneous. However, as of the present date, I have yet to receive any communication or resolution from Experian. Below are the details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94.00} I hereby request Experian to thoroughly verify the accuracy of the XXXX  XXXX account details. The reported balance of {$94.00} raises concerns as I do not recall owing such a substantial amount. Additionally, given that the account is indicated as closed and charged-off, the inclusion of a Past Due amount is unwarranted. I kindly request Experian to label this account as disputed while I address the dispute with the creditor. Furthermore, I require verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX  Date Opened : XX/XX/XXXXXXXX  Balance : {$1700.00} The XXXX  account requires verification due to the reported balance of {$1700.00}, which appears to be inaccurately high. In light of the account 's classification as closed and charged-off, the inclusion of a Past Due amount is inappropriate. I believe it would be prudent to engage the creditor directly to address this erroneous data. While I work towards resolution, I kindly request Experian to designate this account as disputed. Additionally, I require Experian to validate the Date Opened, Date of Status, and First Reported for this account. 




Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Experian 's reporting for the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$860.00} ) contains inaccuracies. My records indicate the original creditor to be XXXX XXXX XXXX XXXX XXXX, a distinct entity from the one cited by Experian. Moreover, I have never had any contractual association with this company nor have I been contacted by them. The false information provided by Experian regarding the balance, which exceeds my belief of owed amount, prompts me to dispute this entire account. I kindly request verification of the Date Opened and Date of First Delinquency. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Similarly, the information presented for the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$780.00} ) is erroneous. The original creditor, XXXX XXXX XXXX XXXX, is distinct from the entity indicated by Experian. Furthermore, the reported balance surpasses my understanding of the owed amount, thereby undermining the accuracy of the information. I dispute this account and request validation of the 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