Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have several accounts with XXXX XXXX and upon checking my report, I noticed that all of my accounts are reporting inaccurately. My XXXX XXXX XXXX ending in XXXX was paid in full on XX/XX/2022. The amount of {$2.00} was paid to set the balance to XXXX. On my credit report it is showing a balance of {$44.00}, which I have attached a copy of the statement for review. This information is showing inaccurately on all 3 credit reports. I also noticed on my credit report that there is another XXXX XXXX  account that starts with XXXX. This is not my account. It shows as a charged off account. I have only had one account with them, which is the account ending in XXXX that they are reporting inaccurately. I ask that they verify and validate this 2nd account by providing an original contract with my handwritten signature that is showing as a charge off. According to the Fair Credit Reporting Act sections 604 and 609, if they can not properly verify and validate the debt with proof of a handwritten signature, they must remove it, or I am within my rights to sue. My XXXX XXXX XXXX  ending in XXXX is also being reported inaccurately on all 3 credit reports. The last payment to the card was for {$37.00} on XX/XX/2022. The balance shown is {$180.00}. My current balance is {$170.00}. Please see the attached statement. My XXXX XXXX  with XXXX XXXX is reporting inaccurately. They show my last payment as XX/XX/2022 and a balance of {$210.00}. My last payment was in the amount of {$35.00} on XX/XX/2022 and my current balance is {$180.00}. They have also been pulling my credit report and reduced my credit limit by half claiming it was based on information they found in my report. I did not authorize them to pull my report, nor did I authorize a credit decrease. Because of this decrease in credit limit, my account is almost maxxed out. I have made all payments on time. Please see attached statement. I show another account with XXXX XXXX on all 3 reports that is not mine. It's for XXXX XXXX XXXX beginning with XXXX. This is not my account and shows as a charge off. It shows three different activity dates across all 3 credit reports, and the date the account was opened is different amongst all 3 reports. The last payment date is also reporting differently across all 3 reports. I ask that they verify and validate this 2nd account by providing an original contract with my handwritten signature that is showing as a charge off. According to the Fair Credit Reporting Act sections 604 and 609, if they can not properly verify and validate the debt with proof of a handwritten signature on the original contract, they must remove it, or I am within my rights to sue. The next account that I have with XXXX XXXX  is XXXX XXXX account ending in XXXX. The information in my reports is being reported inaccurately. They show my last payment date being XX/XX/2022 with Experian and XXXX but XX/XX/2022 with XXXX. My last payment date was XX/XX/2022 in the amount of {$15.00}. They show my balance owed as {$1300.00}. My current balance owed is {$1100.00}. The nect account is a XXXX account beginning with XXXX. This is not mya ccount. It is showing three different dates the account was opened across my report and 2 different last payment dates. I ask that they verify and validate this 2nd account by providing an original contract with my handwritten signature that is showing as a charge off. According to the Fair Credit Reporting Act sections 604 and 609, if they can not properly verify and validate the debt with proof of a handwritten signature on the original contract, they must remove it, or I am within my rights to sue.

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