Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX, I contacted Experian about the following incorrect information on my credit report. To this date, they have not responded. 
The following account was never late : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$170.00} ) Please correct this inaccurate information on my credit report. 
The following account was never late : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$53.00} ) Please correct this inaccurate information on my credit report. 
The following account was never late : XXXX  ( Date Opened : XX/XX/XXXX, Balance  : {$0.00} ) Please correct this inaccurate information on my credit report. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please remove it from my credit report. 
The following account is not mine : XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Please remove it from my credit report. 

Because of incorrectly reported data, I require that your bureau verifies the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$560.00} ) account. I am unsure of the accuracy of the Balance of {$560.00} that you report for this account because I dont recall owing such a high amount. Your agency presented this account as closed and charged-off, so the Past Due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed, so that it won't have any further negative impact on my credit score. In addition to that, I request you to verify the Date Opened, Date of Status, and First Reported for this account. 

Your agency is reporting inaccurate information for COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ). I do recall my original creditor, and it is obviously a different company than the one you are indicating. Moreover, I do not have any contract with this company and have never been contacted by them. Your agency provided false information about the Balance of {$1400.00}, which is higher than I believe it to be. As of these inaccuracies, I am disputing this entire account, and I ask for verification of Date Opened and Date of First Delinquency. 

The information presented for the account COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} ) is also inaccurate. I bear in mind that the original creditor on this account is a distinct company than the one you indicate. You present erroneous information about the Balance of {$1400.00}. You report a higher Balance than the amount I suppose I owe. The problem is that this information is far from the truth, and I dispute this account, and I also claim verification of Date Opened and Date of First Delinquency.

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