Consumer complaint received 2023-04-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX : I was a part of the XXXX XXXX XXXX XXXX, and per the terms of the settlement, the account was supposed to be removed from my credit report. However, I have checked my credit report and found that the account is still appearing on my credit report, which is negatively affecting my credit score. I believe this is in violation of the terms of the settlement. I would like to request that you remove this account from my credit report immediately in accordance with the settlement agreement. If you require any documentation to support my claim, please let me know and I will provide it as soon as possible. 

XXXX XXXX : I have no knowledge or recollection of any outstanding debt with the creditor that is reporting this charge off on my credit report. I have checked my records and can find no evidence of any such debt. I believe this charge off has been falsely reported and is damaging my credit score and creditworthiness. 

XXXX XXXX XXXX XXXX : I am writing to request the removal of an account from my credit report due to multiple inconsistencies that have been identified. The account in question is listed on my credit report under the above account number. After reviewing my credit report, I have identified several inconsistencies regarding this account, including but not limited to : * Experian and XXXX report different dates for the " Date of Last Activity '' and " Date Reported '' fields. 
* The account is listed as both " Open '' and " Closed '' on Experian and XXXX respectively. 
* The " Payment Status '' is listed as " Collection/Chargeoff '' on both Experian and XXXX, but there is a " Payment Amount '' of {$0.00} reported. 
* The " Past Due Amount '' and " Balance Owed '' fields have the same value of {$3000.00} on both Experian and XXXX. 
* There are negative creditor remarks on the account, indicating that it was charged off as bad debt and reported as a loss. 

As a result of these inconsistencies, I respectfully request that you investigate this matter and remove the account from my credit report immediately. The inconsistencies regarding this account are causing significant harm to my credit score and creditworthiness, and are also in violation of the Fair Credit Reporting Act. I have attached a copy of my credit report for your viewing. 

XXXX XXXX : I am writing to request the removal of a paid charge off that has been closed from my credit report. The account in question is listed on my credit report under the above account number. I would like to bring to your attention that this account has been paid in full and has been closed. Despite the account being paid off, the negative account remains on my credit report and is negatively affecting my credit score. I am requesting that this account be removed from my credit report as it is no longer relevant. 

XXXX XXXX XXXXXXXX : The account in question has been sold to a debt collector, and I believe that there are errors and inaccuracies in the reporting of this account that require your attention. Additionally, I dispute the collection agency 's right to collect on this debt. I have not been provided with sufficient documentation proving that the debt collector has a legal right to collect on this account, and I have not received any validation of the debt as required by the Fair Debt Collection Practices Act. Please remove from my credit report.

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 non-monetary relief