Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern : I found inaccurate information on my credit reports ( XXXX, experian  and XXXX. ) 15 UCS 1681. I am asking all delinquent accounts be removed from all 3 credit bPlease be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from any company that you represent, for a debt that I don't owe or shows delinquent, is a violation of the FCRA & FDCPA. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of XXXX in damages per violation for : * Defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) irch non-compliance of federal laws under the Fair Debt Collection Practices + Act, the Fair Credit Reporting Act, and the corresponding local state laws.

I further remind you that you may be liable for your willful non-compli-ance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of XXXX in damages per violation for : 1602 * Defamation * Negligent Enablement of Identity Fraud * Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) * Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX  XXXX XXXX, XXXX Overview {$0.00} Closed Youre currently using 0 % of your account 's limit. 
Balance : {$0.00} Account details Account Number Account Status Open Date Last Activity Type Responsibility Credit limit : {$1400.00} XXXX Charge Off XX/XX/XXXX XXXX XXXX, XXXX Credit Card Individual Remarks Account Legally Paid In Full For Less Than Full Balance Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit Monthly Payment Current Payment Status Amount Past Due Payment history Youve made 38 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CC CC CC CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Dec 1/1/4 29 {$1400.00} {$0.00} Collection/Charge- off XX/XX/XXXX Overview {$0.00} Closed Youre currently using 0 % of your account 's limit. 
Youre currently using 0 % of your account 's limit. 
Balance : Credit limit : {$0.00} {$2000.00} Account details Balance : {$0.00} Account details Account Number Account Status Open Date Last Activity Type Responsibility Individual Remarks Purchased By Another Lender Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit Monthly Payment Current Payment Status Amount Past Due Payment history No history is available Creditor information XXXX Account ID : XXXX XXXX XXXX Unpaid Balance Reported As A Loss Remarks By Credit Grantor, Transferred To Another Lender Credit limit : {$2000.00} XXXX Charge Off XX/XX/XXXX XX/XX/XXXX Credit Card XXXX Charge Off XX/XX/XXXX XX/XX/XXXX Credit Card {$2200.00} {$2000.00} {$0.00} Collection/Charge- off XXXX XXXX {$2000.00} {$0.00} Collection/Charge- off Account Number Account Status XXXX XXXX XX/XX/XXXX Overview {$190.00} Closed XX/XX/XXXX Overview {$190.00} Closed Youre currently using 63 % of your account 's limit. 
Youre currently using 63 % of your account 's limit. 
Balance : Credit limit : {$190.00} {$300.00} Balance : {$190.00} Account details Account Number Account Status Open Date Last Activity Type Responsibility Individual Remarks Profit And Loss Writeoff Times 30/60/90 Days Late Month 's Reviewed Term Source Type High Balance High Credit Monthly Payment 0/0/0 0 {$490.00} {$300.00} {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX Overview {$9700.00} Closed 90 90dayspastdue 120 120 days past due 150 150 days past due BR Bankruptcy RF Repossession or foreclosure CC Collection or charge off VS Voluntary surrender N/A No data available Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Account ID : XXXX XX/XX/XXXX Overview {$9700.00} Closed Youre currently using 121 % of your account 's limit.

Youre currently using 121 % of your account 's limit.

Balance : Credit limit : {$9700.00} {$8000.00} Account details Account Number Account Status Open Date Last Activity Type Responsibility Individual Unpaid Balance Reported As A Loss Remarks By Credit Grantor, Dispute Resolved - Consumer Disagrees Times 30/60/90 Days Late XXXX Month 's Reviewed 80 Term Source Type

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