Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: FL
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 bring to your attention certain inaccuracies in my credit report and to request your assistance in resolving this matter. On XX/XX/XXXX, I contacted Experian regarding the incorrect information present on my credit report. As of today, Experian has not responded to my dispute. I believe that Experian 's handling of this situation may be in violation of the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the inaccuracies on my credit report and the corrections I am requesting : The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with US DEPT ED ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} ) is not mine. Please remove it from my credit report. 


The account with US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} ) is not mine. Please remove it from my credit report. 


The US DEPT ED account ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ) is reported incorrectly. I disagree with the Balance of {$4900.00}, and I recall the amount being lower. Please delete the information regarding the Past Due amount, as this account is closed and charged-off. I request that Experian marks this account as disputed to prevent it from influencing my credit score. 


The US DEPT ED account ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) is reported inaccurately. The Balance amount of {$2500.00} is inflated and inaccurate. I do not recognize this amount and believe I owe less. The Past Due amount should not be reported as this account is closed and charged-off. Please mark this account as disputed while I attempt to correct this information with the creditor. 


I found inaccurate information for the US DEPT ED account ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ). I have doubts about the Balance, and the Past Due should not be reported as the account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor, and I request verification of the Date Opened, Date of Status, and First Reported. 


The US DEPT ED account ( Date Opened : XX/XX/XXXX, Balance : {$7600.00} ) is reported inaccurately. The Balance of {$7600.00} is in question, and the Past Due amount should not be provided as the account is closed and charged-off. Please mark this account as disputed while I address this matter with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported for this account. 


The account XXXX ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) has inaccurate information. The Balance of {$390.00} is higher than I recall. Please remove the Past Due amount as this account has a closed and charged-off status. I plan to contact the creditor to clarify the reported data. In the meantime, please mark this account as disputed.

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