Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate information that is currently listed on my credit report, as obtained from your bureau. This information is negatively impacting my creditworthiness and does not accurately reflect my financial history. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), as outlined in USC Section 1681, I am formally disputing the inaccurate information. 

Below, I have outlined the inaccuracies, along with the relevant details : Account Information : 1. Account Name : XXXX XXXX Account Number : XXXX Date of Inaccuracy : XXXX XXXX XXXX Description of Inaccuracies : Several inaccuracies, such as incorrect late payments, charge-offs, and other errors stating major delinquencies. This account was included in my XXXX  XXXX bankruptcy filed in XX/XX/XXXXXXXX  & discharged in the XXXX  XXXX bankruptcy filed XX/XX/XXXX. This account needs to be DELETED for inaccurate reporting. 

2. Account Name : XXXX XXXX Account Number : XXXX Date of Inaccuracy : XXXX XXXX XXXX Description of Inaccuracies : Several inaccuracies, such as incorrect late payments, charge-offs, and other errors stating major delinquencies. This account was included in my XXXX  XXXX bankruptcy filed in XX/XX/XXXXXXXX  & discharged in the XXXX  XXXX bankruptcy filed XX/XX/XXXX. This account needs to be DELETED for inaccurate reporting. 

3. Account Name : XXXX XXXX Account Number : XXXX Date of Inaccuracy : XXXX XX/XX/XXXXXXXX  Description of Inaccuracies : Several inaccuracies, such as incorrect late payments, charge-offs, sold/collection, and other errors stating major delinquencies. This account was included in my XXXX  XXXX bankruptcy filed in XX/XX/XXXXXXXX  & discharged in the XXXX  XXXX bankruptcy filed XX/XX/XXXX. This account needs to be DELETED for inaccurate reporting. 

Unauthorized inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX  Supporting Evidence : Enclosed, please find copies of the supporting evidence for your review. 

I kindly request that you investigate these discrepancies as soon as possible, in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide a written response with the results of your investigation and any actions taken to correct the inaccuracies. 

Furthermore, I request that you notify all other credit reporting agencies with which you have shared this erroneous information so that they may update their records accordingly. 

If necessary, I am willing to cooperate fully during your investigation and provide any additional information or documentation required to resolve this matter. 

Thank you for your prompt attention to this dispute. I understand that the FCRA mandates a response within 30 days, and I look forward to your timely resolution of this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. 

Sincerely, XXXX XXXX XXXX Enclosures : ID and Social Security Card

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