Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian, I am writing to file a formal dispute regarding the following inaccuracies present on my Experian credit report, as of XX/XX/XXXX. These discrepancies not only violate the Fair Credit Reporting Act ( FCRA ) but also highlight Experian 's non-compliance with federal credit reporting laws : XXXX XXXX Lease with account # XXXX opened on XXXX and a balance of {$0.00} : Violation : FCRA Section 623 ( a ) ( 2 ) ( A ) ( i ) Experian is in violation of FCRA by failing to accurately report the status of this account. It has been charged off, and I have no outstanding obligations to the creditor. Yet, Experian continues to erroneously reflect a balance due. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$350.00}. The original creditor is XXXX XXXX XXXX : Violation : FCRA Section 623 ( a ) ( 1 ) ( C ) Experian is in violation of FCRA by not verifying the accuracy of this account. I dispute the amount and the open date and request validation through the last billing statement from the original creditor, displaying the amount and due date. Failure to do so violates the FCRA. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXXXXXX XXXX : Violation : FCRA Section 623 ( a ) ( 1 ) ( C ) Experian is in violation of FCRA by not verifying the accuracy of this account. I dispute the amount and the open date and request validation through the last billing statement from the original creditor, displaying the amount and due date. Failure to do so violates the FCRA. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$4200.00}. The original creditor is XXXXXXXX XXXX XXXXXXXX XXXX  : Violation : FCRA Section 623 ( a ) ( 1 ) ( C ) Experian is in violation of FCRA by not verifying the accuracy of this account. I dispute the amount and the open date and request validation through the last billing statement from the original creditor, displaying the amount and due date. Failure to do so violates the FCRA. 
Inquiry from XXXXXXXX XXXX XXXX XXXX : Violation : FCRA Section 604 ( b ) ( 3 ) ( A ) Experian is in violation of FCRA for allowing a hard inquiry without my authorization. 
Consequences of Violating the Fair

Credit Reporting Act : FCRA Section 623 ( a ) ( 2 ) ( A ) ( i ) : Failure to correct inaccuracies may result in civil liability. FCRA Section 623 ( a ) ( 1 ) ( C ) : Failure to investigate and verify disputed accounts may lead to penalties. 
FCRA Section 604 ( b ) ( 3 ) ( A ) : Unauthorized inquiries may result in penalties. 
I request that Experian conducts a thorough investigation into these violations and promptly corrects or deletes the disputed information in compliance with FCRA. Any evidence uncovered during the investigation should be sent to the above address as required by the FCRA. 

Failure to comply with the FCRA by not rectifying these inaccuracies within 30 days may lead to legal action, including civil liability and penalties, as permitted under the FCRA. 

Sincerely, XXXX XXXX Please ensure that you review the letter for accuracy and fill in your personal information before submitting it to the Fair Credit Protection Bureau.

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