Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: CA
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 submit a formal complaint and dispute regarding inaccurate information on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to this date, they have not responded. I kindly request your assistance in addressing these discrepancies. 


1. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$170.00} The above account does not belong to me. I request that you remove this account from my credit report. 


2. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$1000.00} I have no association with the aforementioned account. I request that you remove this account from my credit report. 


3. Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} The information regarding this account is inaccurate. It is incorrect to state that the account was ever late. I request that you correct/update this information on my credit report accordingly. 


4. Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} I dispute the accuracy of the reported balance for this account. Your agency listed this account as closed, and therefore, the past due amount should not be provided. I believe the reported balance is higher than it should be. I request that you investigate this matter and rectify any misleading data. I intend to contact the creditor directly to resolve this issue, but I require your agency to report the account as disputed during this process. 


5. Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} The information provided for this account requires investigation. I have not been contacted by XXXX XXXX XXXX, the agency responsible for reporting this account. Additionally, the reported balance of {$140.00} is inflated and inaccurate. I dispute the entire account based on these inaccuracies. I insist that you verify the dates of opening and the date of first delinquency for this account. 


6. Account Name : US DEPT ED Date Opened : XX/XX/XXXX Balance : {$1100.00} The evidence provided for this account is incorrect and is causing significant prejudice to my credit reputation. The reported balance of {$1100.00} does not correspond to the lower amount that I recall. I request that your agency revise the past due information, as it is not accurate to present a past due amount for a closed and charged-off account. This account has likely caused my credit score to drop. I intend to reach an agreement with my creditor regarding the incorrect data. I ask your agency to mark this account as disputed to prevent further negative impact on my credit score. 


7. Account Name : US DEPT ED Date Opened : XX/XX/XXXX Balance : {$1900.00} The information reported for this account is inaccurate. The reported balance of {$1900.00} is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lower balance. The past due amount stated by your agency is further evidence of inaccurate reporting. This account was closed and charged-off, and therefore, the past due amount should not be stated. I intend to contact the creditor directly to correct this distorted information. I request that your agency mark this account as disputed until we find a solution to this problem. 


8. Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$500.00} The information presented for this account is also inaccurate. I am aware of the original creditor for this account, XXXX XXXX XXXX, but I do not have any contract or association with XXXX XXXX. The reported balance of {$500.00} is not accurate, as I recall the balance being lower. Due to this inaccurate information, I dispute the entire account, and I request that you verify the dates of opening and the 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