Consumer complaint received 2023-05-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Great, here is the revised letter with the information added : Dear XXXX, XXXX, and Experian I am writing to dispute the account information related to my XXXX account, as it contains inaccuracies and discrepancies. The information provided by your credit reporting agency regarding this account does not accurately reflect the payment history and status. I request a thorough investigation and correction of the following discrepancies. 

Experian : According to Experian 's report, there are six potentially negative months associated with the XXXX account. The account is shown as closed, with a charge-off status and a balance of {$0.00}. The report indicates multiple past-due amounts, including 30, 60, 90, 120, and 150 days. However, the data regarding past due 150 days is unavailable. The status is listed as closed with a {$310.00} write-off. The last payment date is reported as XX/XX/XXXX, which contradicts the reported charge-off status. This discrepancy requires investigation and clarification. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. There was a 30-day late payment in XX/XX/XXXX and two full payments in the following months, except in XX/XX/XXXX, when there was a XXXX late payment. After XX/XX/XXXX, all payments were late, leading up to a 150-day late payment in XX/XX/XXXX and a charge-off status in XX/XX/XXXX. 

XXXX : XXXX 's report for the XXXX XXXX XXXX account indicates one late payment in XX/XX/XXXX. The account is shown as closed with a charge-off status and a balance of {$0.00}. The status was updated in XX/XX/XXXX. However, the report does not provide information on the highest balance. The discrepancy between the reported late payment and the charge-off status requires investigation to ensure accurate reporting. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. 

XXXX : XXXX 's report for the XXXX account shows a closed account with a charge-off status and a balance of {$0.00}. The account type is listed as a revolving account, and there is no payment history available to display. The status was updated in XX/XX/XXXX, and the highest balance is reported as {$2000.00}. However, the discrepancy lies in the absence of payment history and the charge-off status, which needs to be resolved. Additionally, I would like to add that the first payment date was in XX/XX/XXXX, and all payments were made until XX/XX/XXXX. 

I kindly request that you conduct a comprehensive investigation into these discrepancies and rectify the inaccurate information on my credit reports accordingly. Please provide me with a written confirmation of the investigation results and any corrections made to the account information. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

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