Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I received a copy of my credit report with the intention of trying to pay more close attention to improve my credit and take care of my responsibilities and I noticed a few accounts that I wanted more explanation on. I am not necessarily saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read on something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I am aware that if you cant provide proof, these accounts must be deleted. I want these accounts deleted if they are not 100 percent right and correct. please check on these and get back with me? I am also aware that you have 30 days to complete this investigation. Please investigate the following accounts and remove them if this information is not accurate. 

Type of Account : Collections Collection Account : XXXX XXXX XXXX XXXX Account Number : XXXX Why is it that this account is reporting two different Dates of last activity and plenty other inaccurate information? This is inaccurate reporting according to the Fair Credit Reporting Act. If you would, please investigate and DELETE these items and send me a new credit report reflecting the changes. 

Type of Account : Collections Collection Account : XXXX XXXX XXXX Account Number : XXXX Why is it that this account is reporting two different Dates of last activity and plenty other inaccurate information? This is inaccurate reporting according to the Fair Credit Reporting Act. If you would, please investigate and DELETE these items and send me a new credit report reflecting the changes. 

Type of Account : Collections Collection Account : XXXX XXXX XXXX Account Number : XXXX Why is it that this account is reporting two different Dates of last activity and plenty other inaccurate information? This is inaccurate reporting according to the Fair Credit Reporting Act. If you would, please investigate and DELETE these items and send me a new credit report reflecting the changes. 

Type of Account : Collections Collection Account : XXXX XXXX XXXX Account Number : XXXX Why is it that this account is reporting two different Dates of last activity and plenty other in accurate information? This is inaccurate reporting according to the Fair Credit Reporting Act. If you would, please investigate and DELETE these items and send me a new credit report reflecting the changes. 

Type of Account : Collections Collection Account : XXXX Account Number : XXXX Why is it that this account is reporting two different Dates of last activity and plenty other an accurate information? This is inaccurate reporting according to the Fair Credit Reporting Act. If you would, please investigate and DELETE these items and send me a new credit report reflecting the changes. 

Type of Account : Collections Collection Account : XXXX XXXX XXXX XXXX Account Number : XXXX Why is it that this account is reporting two different Dates of last activity and plenty other an accurate information? This is inaccurate reporting according to the Fair Credit Reporting Act. If you would, please investigate and DELETE these items and send me a new credit report reflecting the changes. 

If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed Could you please send me any information on updates and changes, Also please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter

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