Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: TX
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 regarding inaccurate information on my credit report, as reported by Experian. On XX/XX/XXXX, I contacted Experian about the following incorrect information, but to date, they have not responded. As per my rights under the Fair Credit Reporting Act ( FCRA ), I kindly request your assistance in addressing this matter. 
I have identified several accounts with inaccurate information, and I request a thorough investigation to rectify these errors. The following are the details of the inaccuracies and the necessary corrections : Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX The reported information regarding the account XXXX XXXX XXXX is inaccurate. The original creditor for this account is XXXX XXXX XXXX XXXX XXXX not the company indicated by Experian. Additionally, the reported balance of {$1800.00} is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Original Creditor : XXXX XXXX XXXX  I dispute the accuracy of the information provided for the account XXXX XXXX. While the original creditor is XXXX XXXX XXXX, I have not been contacted by XXXX XXXX. Furthermore, the reported balance of {$1600.00} is inflated and incorrect. I request a thorough investigation of this account and verification of the Date Opened and Date of First Delinquency. 
Account : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Original Creditor : [ Insert original creditor ] I dispute the information presented for the account XXXX XXXX. I have no knowledge of the company mentioned in relation to this account, as I do not have any contractual agreement with them. Moreover, the reported balance of {$1100.00} does not accurately reflect the amount I recall. In light of these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 
Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Original Creditor : XXXX XXXX The information reported for the account XXXX XXXX XXXX is incorrect. While the original creditor is XXXX XXXX, I am unaware of the collection agency mentioned by Experian. Additionally, the reported balance of {$2000.00} is inaccurate, as I believe it should be lower. Furthermore, the reported balance exceeds the High Balance on the same account, highlighting the inaccuracy of Experian 's reporting. I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 
Account : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} The account XXXX is reported inaccurately . The reported balance of {$2100.00} is inflated and does not correspond to the actual amount I owe. Furthermore, Experian has erroneously included a Past Due amount for this closed and charged-off account. I intend to contact the creditor directly to rectify this misleading information. I request that Experian mark this account as disputed until a resolution is reached with the creditor. 
Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} I have discovered inaccurate information regarding the account XXXX XXXX XXXX I find it doubtful that the balance on this account is as high as {$2400.00}, as I recall a lower balance. Additionally, Experian should not report a Past Due amount for this closed and charged-off account. I kindly request Experian to mark this account as disputed while I work towards resolving the discrepancy with the creditor. Furthermore, I insist on the verification of the Date Opened, Date of Status, and First Reported for this account. 
Account : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$840.00} The reported information on the account XXXX XXXX is incorrect and significantly damaging to my credit reputation. The reported balance of {$840.00} does not align with the lower amount that I remember. Experian should review and revise the Past Due information, as it is inaccurate to report a Past Due amount for a closed and charged-off account. This account has likely adversely affected my credit score. I intend to work directly with the creditor to address this erroneous data. Please mark this account as disputed to prevent further negative impact on my credit score. 
Account : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} I request an examination of the account XXXX due to incorrect reporting. The reported balance of {$330.00} appears to be higher than the balance I recall. As Experian has listed this account as closed, the Past Due amount should not be reported. I believe it would be beneficial to address this misleading data directly with the creditor. I am prepared to take immediate action in this regard, but I kindly request Experian to mark this account as disputed while I work towards a resolution. 
Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Actual Original Creditor : XXXX XXXX XXXX XXXX Experian must review the account XXXX XXXX XXXX XXXX While the actual original creditor is XXXX XXXX XXXX XXXX, I have no knowledge of XXXX XXXX XXXX XXXX Additionally, the reported balance of {$430.00} exceeds the amount I recall. Consequently, I dispute the entire account and request Experian to verify the Date Opened and Date of First Delinquency associated with this account.

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 non-monetary relief