Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 dispute certain inaccuracies present in my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding these discrepancies, but I have not received any response as of the present date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 
Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX The account XXXX with Account # : XXXX is not mine, and I kindly request its immediate removal from my credit report. 
Account Identifier : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} ( Disputed Amount ) The account XXXX XXXX requires examination due to inaccurate reporting. The reported balance of {$6400.00} appears to be higher than my recollection. Furthermore, your agency indicated that this account is closed, which means the Past Due amount should not be provided. To address this misleading data, I am committed to contacting the creditor directly. However, I request that your agency mark the account as disputed while I work towards a resolution. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} ( Disputed Amount ) I require verification of the account identified as XXXX, as your reporting appears to present incorrect information. The reported balance of {$940.00} does not align with my understanding, and I believe the accurate amount to be lower. Additionally, the Past Due amount should not be indicated, considering the account is closed and charged-off. I request that your agency mark this account as disputed to prevent it from adversely affecting my credit standing. Also, I require verification of the Date Opened, Date of Status, and Date First Reported. 
Account Identifier : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} ( Disputed Amount ) The account XXXX has incorrect evidence and is negatively impacting my credit reputation. The reported balance of {$100.00} does not correspond with my memory of a lower amount. The Past Due information should be revised, as it is inappropriate to present a Past Due amount for a closed, charged-off account. This misinformation has likely contributed to a drop in my credit score. To rectify this, I need to resolve the incorrect data with my creditor, and I ask that your agency mark this account as disputed to prevent further credit score reduction. 
Account Identifier : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} ( Disputed Amount ) The XXXX XXXXXXXX account is inaccurately reported, as the balance of {$870.00} is inflated and not recognized by me. I believe I owe a lesser amount. Furthermore, the Past Due amount provided by your agency indicates inaccurate reporting. This account is closed and charged-off, and thus the Past Due amount should not be included. I am determined to address this matter directly with the creditor and request that your agency mark this account as disputed during the resolution process.

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