Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the inaccurate reporting of several charged-off accounts on my credit report, as reflected in recent credit reports obtained from various credit reporting agencies. The errors on my report are negatively impacting my credit score, and I believe that the information being reported violates the Fair Credit Reporting Act ( FCRA ).

The following accounts are inaccurately reported and must be removed immediately : Account XXXX : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Responsibility : Individual Date Opened : XX/XX/XXXX Status : Charged off. {$1400.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXXXXXX XXXX  Balance Updated : XX/XX/XXXX This account is inaccurately reflecting as charged off, and the balance past due does not align with the payments I have made and the written-off amounts. I request this account be removed from my credit report immediately. 

Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Responsibility : Individual Date Opened XXXX XXXXXX/XX/XXXX Status : Charged off. {$18000.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Note : This account has been paid in full. 
The XXXX XXXX XXXX account has been fully paid, yet it is still being reported as charged off and past due. This is not only inaccurate, but it is also misleading and harmful to my credit profile. This account should be updated to reflect the paid status or removed altogether. 

Account XXXX : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XXXXXX/XX/XXXX Status : Open Balance : {$350.00} as of XX/XX/XXXX Recent Payment : {$25.00} as of XXXXXX/XX/XXXX Credit Limit : {$300.00} Highest Balance : {$540.00} This account reflects an open and active status ; however, given that the current balance exceeds the credit limit, I want to ensure that all information reported is accurate and up-to-date, particularly to avoid any incorrect or misleading reporting in the future.

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, and I am requesting that the credit reporting agencies immediately investigate and remove these erroneous entries. The agencies are required to ensure maximum possible accuracy, and the ongoing inaccuracies regarding the accounts listed above are not in compliance with FCRA standards.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 4 ), outdated or incorrect negative information should be promptly removed from my credit file, especially for accounts that have been paid off or settled. In the case of XXXX XXXX XXXX, the status must be corrected to reflect that the account is paid, not charged off. 

I expect these errors to be resolved and the accounts to be removed within 30 days of receipt of this letter, as per the FCRA. Please notify me in writing once these items have been removed from my credit report.