Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

-All accounts ( collections ) listed below show paid .I tried contacting the companies and experian but was told to open an dispute XXXX months ago. Now it is showing as an open dispute on my credit report, making it difficult for me to get approved for a home. I would like for these accounts to be removed from my credit report or dispute closed. 

Account name XXXX Account number XXXX Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
XXXX XXXX Address identification number XXXX Original creditor XXXX Collection Terms 1 Months Credit limit or original amount {$130.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Your statement ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION AGENCY. 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 

XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid in settlement. 
XXXX XXXX Address identification number XXXX Original creditor XXXX 
Type Debt Buyer Terms 1 Months On record until XXXX XXXX Credit limit or original amount {$530.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Your statement ACCOUNT WAS PAID BEFORE BEING TURNED OVER TO A COLLECTION AGENCY. 
Comment Account paid in full for less than full balance Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 

Account name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid in settlement. 
XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX Type Debt Buyer Terms 1 Months On record until XXXX XXXX Credit limit or original amount {$1000.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Your statement THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES. 
Comment Account paid in full for less than full balance Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 

Account name XXXX Account number XXXX Recent balance Not reported Date opened XXXX Status Paid, Closed. 
XXXX XXXX Address identification number XXXX Original creditor XXXX Type Collection Terms 1 Months Credit limit or original amount {$260.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX. 

Account Name XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid in settlement. 
XXXX XXXX Address identification number XXXX Type Cell Phone Terms 1 Months On record until XXXX XXXX Credit limit or original amount {$170.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Your statement THIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES. 

Account paid in full for less than full balance Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX