Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: MA
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 regarding inaccurate information on my credit report that I reported to Experian on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Experian regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : 1. ) Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$130.00} The above account was never late, contrary to the information on my credit report. I kindly request Experian to correct this inaccurate information on my credit report. 


2. ) Account Name :XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} The above account does not belong to me, and I request Experian to remove it from my credit report. 


3. ) Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} You are reporting the account incorrectly. I disagree with the balance of {$430.00}, as I remember the amount to be lower. I request Experian to delete the information regarding the past due amount, as this account is closed and charged-off. Since my credit score depends on the changes applied to my accounts, I ask Experian to mark this account as disputed, so it does not influence my credit score. 


4. ) Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} The inaccurate evidence on the above account is incorrect and is causing significant prejudice to my credit reputation. The balance of {$720.00} provided by Experian does not correspond to the lower amount that I remember. I request Experian to revise the past due information, as it is not accurate to present a past due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. Therefore, I need to reach an agreement with my creditor regarding the incorrect data. I kindly request Experian to mark this account as disputed because I do not want my credit score to be further affected. 


5. ) Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} The above account needs to be examined due to incorrect reporting. The balance of {$1000.00} reported by Experian seems to be higher than the balance that I remember. Experian presented this account as closed, so the past due amount is not supposed to be provided for this account. I believe it would be beneficial to address the misleading data directly with the creditor. I am determined to immediately proceed with such a course of action, but I need Experian to report the account as disputed while I'll be trying to find a solution.

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