Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Discrepancies in Credit Report - Request for Correction Dear Sir/Madam, I am writing to bring to your attention several discrepancies I have identified in my credit reports from Experian, XXXX, and XXXX. As per the Fair Credit Reporting Act ( FCRA ), it is required that the information contained in credit reports is accurate and up-to-date. However, upon reviewing my credit reports, I have discovered several errors that require immediate correction. 

Below, I have outlined the discrepancies found on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review, it is evident that there are inconsistencies regarding the high credit amount and the credit limit reported by XXXX. Additionally, the last reported date differs between XXXX and Experian. These discrepancies are causing confusion and may negatively impact my creditworthiness. 

I kindly request that you investigate these discrepancies and take the necessary actions to correct my credit reports accordingly. Please update the information accurately and ensure that it is consistent across all three credit bureaus. 

Furthermore, I would appreciate receiving written confirmation of the corrections made to my credit reports once the investigation is complete. This will enable me to verify that the necessary changes have been implemented. 

I have enclosed copies of my credit reports highlighting the discrepancies for your reference. If any additional information or documentation is required from my end to facilitate the investigation process, please do not hesitate to contact me at the address provided above or via email at XXXX XXXX XXXX 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and resolve the discrepancies in a timely manner. I look forward to receiving the updated credit reports reflecting the accurate information. 

Sincerely, XXXX XXXX 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