Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the accuracy of certain items on my credit report from your bureau. After reviewing my credit report, I have identified several inaccuracies related to late open accounts, a charge-off, and a late closed account. I respectfully request that you investigate these discrepancies and make the necessary corrections to my credit report. I believe these inaccuracies are negatively affecting my credit score and financial well-being. Therefore, I kindly request that you investigate these accounts and make the necessary corrections to reflect accurate information.I understand that you have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that the information on my credit report is accurate and up-to-date. I request that you promptly investigate these disputed items and, if found to be inaccurate, correct or remove them from my credit report. Enclosed, please find copies of supporting documents, such as my Driver 's License and Proof of my Address attached on my letter. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated credit report once the corrections or a removal have been made. Here are the following accounts that needs to be corrected or removed. XXXX XXXX XXXXXXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$11000.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX : {$0.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.

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