Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Second Request : Immediate Action Required for Correction and Deletion of Inaccurate Information To Whom It May Concern, This is my second request for immediate correction and deletion of multiple inaccuracies on my credit report, initially disputed through the CFPB Portal on XX/XX/year>. I am beyond frustrated by the dismissive and inadequate response I received, claiming that my disputes were " not specific '' when I provided detailed and clear information. This response is not only unacceptable but also a blatant disregard for your obligations under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. 

Let me reiterate : The inaccuracies I have highlighted, including the misreporting of collection accounts as original creditors and numerous inconsistencies in account status, are significant violations of my rights as a consumer. These errors must be corrected promptly. Your failure to address these issues in your initial response is both unprofessional and in violation of federal law. 

Immediate Action Required : I am once again providing the specific account names, numbers, and detailed issues for each. I expect you to take this request seriously and resolve these issues without further delay : Detailed Account Issues and Violations XXXX  ( Account # : XXXX ) Original Creditor : Progressive Account Type : Collection Account Status : Collection/Chargeoff Reported Balance : {$620.00} Past Due : {$620.00} Violations : Incorrectly Listed as Derogatory Excessive Collection Reporting Inconsistent Monthly Payments Inconsistent Date of Opening Incorrect Balance and High Credit Limit Reporting Inconsistent Payment Status and Dates Total XXXX XXXX Violations : XXXX XXXX ( Account # : XXXX ) Original Creditor : XXXX Account Type : Collection Account Status : Collection/Chargeoff Reported Balance : {$630.00} Past Due : {$630.00} Violations : Incorrectly Listed as Derogatory Excessive Collection Reporting Inconsistent Monthly Payments Inconsistent Date of Opening Incorrect Balance and High Credit Limit Reporting Inconsistent Payment Status and Dates Total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX [ similar account number ] ) Original Creditor : XXXX XXXX XXXX XXXXXXXX Account Type : Collection Account Status : Collection/Chargeoff Violations : Incorrectly Listed as Derogatory Excessive Collection Reporting Inconsistent Monthly Payments Inconsistent Date of Opening Incorrect Balance and High Credit Limit Reporting Inconsistent Payment Status and Dates Total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX ** Original Creditor : Capital XXXX Account Type : XXXX XXXX  Credit Card ) Account Status : Collection/Chargeoff Reported Balance : {$720.00} Past Due : {$720.00} Violations : Incorrectly Listed as Derogatory Excessive Collection Reporting Inconsistent Monthly Payments Inconsistent Date of Opening Incorrect Balance and High Credit Limit Reporting Inconsistent Payment Status and Dates Total XXXX 2 Violations : 11 CXXXX XXXX XXXX Account XXXX : XXXX ) Original Creditor : Capital XXXX Account Type : Revolving ( Credit Card ) Account Status : Collection/Chargeoff Reported Balance : {$460.00} Past Due : {$460.00} Violations : Incorrectly Listed as Derogatory Excessive Collection Reporting Inconsistent Monthly Payments Inconsistent Date of Opening Incorrect Balance and High Credit Limit Reporting Inconsistent Payment Status and Dates Total XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Original Creditor : Fingerhut Account Type : Revolving ( Charge Account ) Account Status : Collection/Chargeoff Reported Balance : {$0.00} Violations : Incorrectly Listed as Derogatory Excessive Collection Reporting Inconsistent Monthly Payments Inconsistent Date of Opening Incorrect Balance and High Credit Limit Reporting Inconsistent Payment Status and Dates Total XXXX XXXX  Violations XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account Type XXXX Revolving ( Credit Card ) Account Status : Late 60 Days Reported Balance : {$210.00} Past Due : {$160.00} Violations : Incorrectly Listed as Derogatory Excessive Collection Reporting Inconsistent Monthly Payments Inconsistent Date of Opening Incorrect Balance and High Credit Limit Reporting Inconsistent Payment Status and Dates Total XXXX XXXX Violations : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Original Creditor : First Premier Bank Account XXXX XXXX XXXX ( Credit Card ) Account Status : Collection/Chargeoff Reported Balance : {$590.00} Past Due : {$590.00} Violations : Incorrectly Listed as Derogatory Excessive Collection Reporting Inconsistent Monthly Payments Inconsistent Date of Opening Incorrect Balance and High Credit Limit Reporting Inconsistent Payment Status and Dates Total XXXX XXXX Violations : XXXX BXXXX XXXX XXXX  ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : XXXX XXXX Credit Card ) Account Status : Collection/Chargeoff Reported Balance : {$0.00} Violations : Incorrectly Listed as Derogatory Excessive Collection Reporting Inconsistent Monthly Payments Inconsistent Date of Opening Incorrect Balance and High Credit Limit Reporting Inconsistent Payment Status and Dates Total XXXX XXXX Violations : XXXX Request for Immediate Deletion Due to the significant inaccuracies and compromised status of these accounts , I am demanding their immediate deletion from my credit report. The violations of XXXX XXXX guidelines and FCRA standards necessitate this action to ensure the accuracy and fairness of my credit profile. 

Next Steps Investigation and Deletion : I expect Experian to promptly investigate these issues and delete the incorrect information. 
Updated Credit Report : Please provide an updated copy of my credit report once these inaccuracies are corrected. 
I have attached copies of my credit report highlighting these discrepancies and any supporting evidence for your reference. I will not tolerate any further deflection or delays in addressing these serious violations. This is my second attempt to resolve these issues through the proper channels, and I expect Experian to fulfill its legal obligations without any further excuses. 

If these issues are not resolved immediately, I will escalate this matter further, including filing additional complaints with the CFPB, contacting the FTC and Attorney General 's office, and pursuing all available legal remedies. 

I expect a swift and satisfactory resolution.