Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Is the letter to. Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX Phone number XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccuracies in Credit Report - Request for Deletion of Account Dear Experian I am writing to dispute the inaccuracies present in my credit reports from [ Credit Bureau Name - XXXX/Experian/XXXX  XXXX XXXX After a thorough review, I have identified several discrepancies that need to be addressed. These inaccuracies have resulted in a breach of consumer protection laws and have caused significant damage to my credit credibility and reputation. 

1. Account Details : Account : XXXX XXXX  Account Number : [ Account Number ] Account Status : Charge Off Open Date : Discrepancy across bureaus ( XX/XX/XXXXXXXX XXXXn XXXXXXXX XXXX XXXX XXXX in Experian, XX/XX/XXXX XXXX XXXX XXXX XXXX ) Last Activity : Discrepancy across bureaus ( XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, N/A in Experian, XX/XX/XXXX XXXX XXXX XXXX XXXX ) Type : Credit Card Responsibility : Individual Remarks : Account Information Disputed By Consumer ( XXXX  ) 2. Balance and High Balance : XXXX reports a high balance of {$330.00}, while Experian and XXXX report {$300.00}. Additionally, XXXX has High Credit listed as N/A. 
3. Utilization Rate : The credit limit on the account is {$300.00}, and the balance is reported as {$300.00}, which is 101 % utilization, which is impossible. 
4. Request for Deletion : The discrepancies between the credit bureaus are enormous and have led to inaccurate and unverifiable information on my credit report. This violation of consumer protection laws and the inclusion of non-verifiable data have caused significant damage to my credit credibility and reputation. 

I urge you to conduct a thorough investigation into these discrepancies, rectify the inaccurate information, and promptly delete this account from my credit report. Please ensure that my credit report accurately reflects my credit history, as mandated by consumer protection laws. 

To support my dispute, I have attached relevant documents, including statements, correspondence, and proof of payments. Please consider this evidence in your investigation. 

I understand that you are required to investigate and respond to disputes within a reasonable time frame. Therefore, I kindly request that you resolve these issues as soon as possible and provide me with written confirmation of the deletion of this account from my credit report. 

Thank you for your prompt attention to this matter. Please reach out to me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Urgent Dispute of Inaccuracies in Credit Report - Request for Deletion of Account Dear Experian I am writing to address a critical matter regarding my credit report. I have encountered a distressing situation with [ Credit Bureau Name - Experian ] that has led to an erroneous account remaining on my credit report. The inaccuracies contained in this report violate consumer protection laws, negatively impacting my credit credibility, and severely impeding my ability to access affordable credit. 

1. Account Details : Account : XXXX XXXX  Account Number : [ Account Number ] Account Status : Charge Off Open Date : Varying information across bureaus ( XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in Experian, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ) Last Activity : Discrepancy across bureaus ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, N/A in Experian, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ) Type : Credit Card Responsibility : Individual Remarks : Account Information Disputed By Consumer ( XXXX ) 2. Balance and High Balance : XXXX reports a high balance of {$330.00}, while Experian and XXXX report {$300.00}. Additionally, XXXX has High Credit listed as N/A. 
3. Utilization Rate : The credit limit on the account is {$300.00}, and the balance is reported as {$300.00}, resulting in an inaccurate 101 % utilization rate, which violates the principles of accurate reporting. 

The severity of these inaccuracies can not be overstated. The erroneous account has unjustly cost me access to credit, subjected me to high-interest rates, and tarnished my credit reputation, all due to the inaccurate reporting on my credit profile. This account is one of the primary culprits behind my diminished credit score.

I have engaged [ Credit Bureau Name - Experian ] both online and over the phone, pleading for the deletion of this account. Regrettably, their response indicated the inaccuracies were valid. However, it is evident, as documented in the provided data, that the reportings are egregiously flawed. 

I implore your urgent intervention. I earnestly seek a meticulous and human review of the inaccuracies in this report. A human beings judgment is essential in understanding the true extent of these inaccuracies and ensuring a just resolution. 

My request is simple : Remove this inaccurately reported account from my credit report. The discrepancies violate consumer protection laws and hinder my financial well-being. 

I kindly request that you conduct a thorough investigation, rectify these issues promptly, and provide me with written confirmation of the deletion of this account from my credit report. Your swift and just action will help rectify the grievous harm caused by these inaccuracies. 

I am readily available for further discussion and can be reached at [ Your Phone Number ] or [ Your Email Address ] if more information or clarification is required. 

I appeal to your sense of fairness and adherence to consumer protection laws to assist in rectifying this urgent matter. Your assistance is of utmost importance in restoring my financial credibility and peace of mind. 

Sincerely,

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