Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: GA
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:
Re : Request to describe method of verification To Whom It May Concern : I am writing to request the method of verification for dispute initiated and the subsequent response received.

Re : 1. The following account was a Charge-off. Balance should be XXXX 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX  
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account was a Charge-off. Balance should be XXXX 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Please send the following information used to verify the validity of : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

1. The following account was a Charge-off. Balance should be XXXX 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX.

US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. The status is incorrect for the following account XXXX XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. The following account was a Charge-off. Balance should be XXXX 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX 
XXXX Account Number : XXXX Please remove it from my credit report. 


Please send the following information used to verify the validity of the above items : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 

XXXX XXXX : XXXX Pursuant to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 

XXXX XXXX : XXXX XXXX : XXXX The Status Is Incorrect For The Following account. 

XXXX XXXX : Experian : XXXX XXXX  : The Following Account Was A Charge-Off balance should be XXXX 

XXXX XXXX XXXX XXXX Experian : XXXX XXXX : The Following Account Was A Charge-Off balance should be XXXX.

XXXX XXXXXXXX XXXX : XXXX Experian : XXXX XXXX : XXXX The Following Account Was A Charge-Off balance should be XXXX 

XXXX XXXX XXXX XXXX Experian : XXXX : The Following Account Was A Charge-Off balance should be XXXX 

Your cooperation and prompt attention are greatly appreciated. 

Sincerely yours, 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 non-monetary relief