Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX I filed a dispute with Experian to correct the inaccurate information on my credit file being reported by XXXX XXXX XXXX. I logged into the Experian website online on my laptop. I selected the XXXX XXXX account in my Experian credit file and I selected Dispute this Item. The reason I selected was " BALANCE INCORRECT, '' as I attempted to submit the complaint I received the error message that I have already submitted a dispute of this item and unless I have additional information to upload I can not dispute this item. SO I UPLOAD THE LETTER FROM THE XXXX XXXX XXXX FROM THE REGULATORY COMPLIANCE MANAGER ABOUT A XXXX BALANCE REPORTING TO ALL THREE CREDIT REPORTING AGENCIES. Experian then emails me and stated " XXXX XXXX XXXX, Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. If you believe that an item on your personal credit report is inaccurate or incomplete, please provide specific information. Be sure to indicate the specific item you are disputing and explain why you believe the information is inaccurate, for example : " not mine, '' " paid in full, '' " never late, '' " included in bankruptcy, '' incorrect name, etc.

If the status, a date, an amount, a balance, personal information such as name or address, or any other specific information is inaccurate you should also indicate what the correct information should be. Once we receive this information, we will process your dispute.

You may also log on to experian.com/disputes, or call us at XXXX XXXX XXXX XXXX for faster service. 

The dispute process may take up to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ). We will send you the results once completed. If you write to us, please provide the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Please also include the following identification information : Your full name including middle initial ( and generation - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload.

Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here! 

HOW MUCH MORE CLEARER DOES MY DISPUTE NEED TO BE WHEN XXXX XXXX IS THE ONLY XXXX XXXX ACCOUNT ON MY CREDIT REPORT? What exactly is the limited information they are talking about, rather than reaching out to me, how about calling XXXX and asking them are they supposed to be reporting a XXXX balance. I do not need to send ID to verify that it is me, the verification should come in the form of Experian debiting my XXXX XXXX XXXX XXXX account every month for years as I have been a customer of Experian 's credit monitoring services. 

Experians ' response to my dispute is biased and arbitrary. There was nothing incomplete about selecting the correct account to dispute and submitting proof that what is being reported is inaccurate, erroneous and false.

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