Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello and Good Morning, on XX/XX/XXXX I asked the Credit Reporting Bureau 's to do a verification on my Credit Report, and they did & they stated everything was accurate & factual. I however conducted my own through inspection of my Credit Report and I still found huge inaccuracies in my Credit Report. Subsequently, I sent the following letters to all three ( 3 ) Credit Reporting Bureaus : " To Whom it May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 

Please remove these line items from my credit report as they are erroneous, inaccurate, and contains false information that is being reported inaccurately and falsely by the three ( 3 ) Credit Reporting Agencies ( XXXX XXXX, XXXX, and Experian ). In accordance with the Fair Credit Reporting Act, by law I have the right to challenge anything that is inaccurate. Also, in accordance with 15 U.S.C. Sec. 168 1i ( a ) if you cant provide proof to dispute what Im saying these accounts must be deleted. Im also aware of the fact that you have thirty ( 30 ) days to complete the investigation but Im sure we can come to an agreement before then. Please investigate the following accounts and remove them if anything is missing, inaccurate or not correct on them.

I demand the following accounts be verified or removed immediately : 1. ) XXXX account ( # XXXX, opened XX/XX/XXXX ) Account Status : Collection Balance : {$140000.00} Collection Account : from XX/XX/XXXX to XX/XX/XXXX NOTE : Proof of inaccurate and incorrect report is attached to this letter ( see Attachment 1 ). See below : Explanation : As a Military Service Member we travel and move around a lot. As I move from city, to city due to military obligation my Child Support Case moves with me. XXXX ( XXXX XXXX and XXXX XXXX ) is the organization that pays all Military and DoD Civilian Employees ( unless they are contractors ). I have paid my child support and have been paying it for almost eighteen ( 18 ) years. I used to be stationed in XXXX, SC ( XXXX XXXX ), and I have since moved many years ago. The attached letter is from the XXXX XXXX XXXX XXXX and it states that during the months from XX/XX/XXXX to XX/XX/XXXX my Child Support was paid as ordered by the court judgement. This information can be verified by letter and this XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX web XXXX : XXXX Fax numbers : Toll Free : XXXX Commercial : XXXX Customer Care Center XXXX XXXX Customer Support/Services ( CS/S ) Committed to Superior Service - One Customer at a time 2. ) XXXX XXXX XXXX ( Account # XXXX ) Account Status : Collection Balance : {$89.00} NOTE : Proof of inaccurate report is below : I paid off this account on XXXX XX/XX/XXXX, I paid {$93.00} with a {$3.00} processing fee. This can be verified by contacting the debt collection company at : XXXX ( XXXX ) XXXX, or XXXX ( XXXX ) XXXX Confirmation of Payment # : XXXX XXXX. ) The following Closed Accounts are still listed on my Credit Report even after ten ( 10 ) years since the date of last activity, and as such they should be removed : a. XXXX ( # XXXXX XXXX ), Age of Account : 11yrs 10mos bXXXX XXXX ( # XXXXX XXXX ), Age of Account : 10yrs 4mos c. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX ), Age of Account : 11yrs 9mos 4. ) XXXX XXXX XXXX ( Actual Account # XXXX ) XXXX XXXX  XXXX XXXX XXXX ( debt/due = {$1600.00} ) Paid Off XXXX XX/XX/XXXX, Confirmation # XXXX ( paid = {$1600.00}, with an {$11.00} processing fee ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Handling Dispute because XXXX could not make contact with me ) 5. ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( debt/due = {$100.00} ) Paid Off XXXX XX/XX/XXXX, Confirmation # XXXX XXXX XXXX XXXX XXXX XXXX Business XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX debt/due = {$230.00} ) Paid Off XXXX XX/XX/XXXX, Confirmation # XXXX ( XXXX ) XXXX XXXX. ) This item is being reported incorrectly by all three ( 3 ) Credit Reporting bureaus and as such should be removed ( incorrectly displayed information includes : a. Date Opened b. Last Reported XXXX Date Last Active XXXX  XXXX  ( # XXXX ) In closing this letter covers everything that Id like disputed at this time. Please feel free to contact me for further notification thank you for your time and attention in this matter, God Bless and have a great day. 


V/R XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Enclosure 1, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Letter And Nothing was changed on my credit reports!!! 

In accordance with the Fair Credit Reporting act the above listed accounts has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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