Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information that is being reported on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I have the right to request the investigation and correction of any inaccurate or incomplete information contained in my credit file. 
I have recently reviewed my credit report, obtained from Experian, and identified the following inaccuracies : 1XXXXXXXX XXXX XXXXXXXX XXXX The account is being reported as open with a current balance of {$5100.00}. However, this account was actually closed in XXXX of 2022. How can an account be reporting an active balance if the account is closed. Please provide me with Statements, Payoff Disclosure, Interest Disclosure, Balance History, Payment History. If you can not provide accurate documentation validating this claim please remove this from my credit report, as it is reporting inaccurate information and causing financial hardship to creditworthiness. 
2. XXXXXXXX XXXX XXXX : Account number XXXX. This is being reported inaccurately on my credit report. Please provide me with the Statements, Payoff Disclosure, Interest Disclosure, Balance History, and Payment History. If you can not provide accurate documentation validating this claim please remove this from my credit report, as it is reporting inaccurate information and causing financial hardship to creditworthiness. 
XXXX. XXXX XXXX XXXX : The account number XXXX is being reported on my credit file and is inaccurate. All payments were made in full and on time. However, it is reporting as a late payment which is hunting my financial creditworthiness. According to the FCRA there must be valid information verifying that this account was in fact late on a payment. Please provide me with such items, such as Statements, Payoff Disclosure, Interest Disclosure, Balance History, and Payment History that are verifying that this account was in fact late. If not, update my account as paid in full and time as this is hurting my credit profile. 
4. Inquiry : XXXX XXXXXXXX XXXX : This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate. 
5. Inquiry : XXXX XXXX XXXX : ( Date : XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.

6. Inquiry : XXXX XXXX XXXX : ( Date : XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate. 
7. Inquiry : XXXX XXXX XXXX I : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate. 
8. Inquiry : XXXX XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be : true and accurate. If not it must be removed for reporting as inaccurate. 
9. Inquiry : XXXX XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate. 
10. Inquiry : XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate. 
11. Inquiry : XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate. 
12. Inquiry : XXXX XXXX XXXX XXXX XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate. 
13. Inquiry : XXXX ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate. 
14XXXX XXXX XXXX : This account XXXX is reporting inaccurate information on my credit report causing my credit file and is actually a business account with its own XXXX number. ( Attached will be Verification of the account belonging to a business and not my personal ) Pease remove this as it is reporting in accurately on my credit file. 


These inaccuracies are causing significant harm to my creditworthiness and financial standing. According to The FCRA CODES 15 USC 1666 B and 15 U.S.C. 1681 B these inaccuracies on my credit report need to be removed and updated as they are in violation. As a result, I kindly request that you promptly investigate these discrepancies and take the necessary actions to correct my credit report. I also request that you provide me with a free copy of my updated credit report once the corrections have been made. 
I would like to remind you of your obligations under the FCRA, which require credit bureaus to maintain accurate and complete consumer information. Failure to comply with these obligations may result in legal action, as provided for by the FCRA. 
Please ensure that your investigation is thorough, objective, and completed within the 30-day period mandated by the FCRA. I trust that you will conduct a fair assessment of my dispute and take appropriate measures to rectify the inaccuracies promptly. 
I appreciate your attention to this matter and your cooperation in resolving these inaccuracies. I look forward to receiving written confirmation of the investigation 's commencement and a timely resolution to this dispute. 
Please find a copy of my ONLY driver 's license and social security card for verification of who I am. 

Thank you for your prompt attention to this matter. 
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