Consumer complaint received 2023-08-06
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:
I am writing to formally submit a complaint to the Consumer Financial Protection Bureau concerning the inaccurate information present on my credit report as reported by Experian. Despite initiating contact with Experian on XX/XX/XXXX, to address these inaccuracies, I have yet to receive any form of response or resolution from their end. The details provided below outline the specific erroneous information along with the necessary corrections : 1. Account Details : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} I hereby affirm that the XXXX XXXX XXXX  account, referenced by account number XXXX and established on XX/XX/XXXX, has never been late. The presence of this inaccurate information on my credit report is misleading. It is crucial that Experian promptly rectifies and updates this account 's information to reflect its accurate status. 


2. XXXX XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ) : The XXXX  XXXX account linked to account number XXXX and initiated on XX/XX/XXXX is not mine. I formally request the immediate removal of this inaccurate account entry from my credit report. 


XXXX. XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$810.00} ) : Discrepancies exist in the reported information for the XXXX account. I refute the reported balance of {$810.00}, as I recall it being a lesser amount. Moreover, I dispute the inclusion of the Past Due amount, given that this account is closed and charged-off. Recognizing the potential impact on my credit score, I kindly request Experian to mark this account as disputed until its accuracy is verified. 


4. XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : The reported evidence for the XXXX account is erroneous, casting unwarranted harm to my credit reputation. The balance of {$1900.00} provided by your agency contradicts my recollection of a lower amount. I appeal to Experian to revise the Past Due information, as it is inappropriate for a closed and charged-off account. This account 's inaccuracies have notably impacted my credit score, necessitating resolution discussions with the creditor. I respectfully ask Experian to mark this account as disputed to mitigate further harm to my credit standing. 


XXXX. XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) : I challenge the reported balance of {$2000.00} for the XXXX XXXX account. This amount is exaggerated and inaccurate. I firmly believe that I owe a lesser amount. Furthermore, the inclusion of the Past Due amount by your agency inaccurately portrays this closed and charged-off account 's status. I intend to engage directly with the creditor to rectify this distorted information. I kindly urge Experian to mark this account as disputed until a satisfactory resolution is reached. 


XXXX. XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ) : The reported balance of {$260.00} for the XXXX XXXX account is inaccurate, and I dispute the inclusion of the Past Due amount. Given the account 's closed and charged-off status, the inclusion of Past Due information is unwarranted. I kindly request Experian to mark this account as disputed while I engage in resolution discussions with the creditor. Additionally, I require verification of the Date Opened, Date of Status, and First Reported for this account. 


XXXX. XXXX XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : I am compelled to question the reported balance of {$1900.00} for the XXXX XXXX XXXX XXXX account. This amount seems higher than what I recall. Given the account 's reported closed status, the inclusion of a Past Due amount is inappropriate. It is advisable to address this matter directly with the creditor, and I am committed to doing so. However, I implore Experian to mark this account as disputed while I strive to find a resolution. 


XXXX. XXXX XXXX. Account ( Date Opened : XX/XX/XXXX, XXXX : {$1500.00} ) : The reported balance of {$1500.00} for the XXXX XXXX. account is incorrect. It exceeds my memory of the owed amount. The Past Due section should be voided, as the account is closed and charged-off. I plan to liaise with the creditor to clarify the reported data. Until the necessary corrections are implemented, I kindly request Experian to 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 non-monetary relief