Consumer complaint received 2024-09-28
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. (TX)

I am writing to formally request the removal of inaccurate information from my credit report. I have identified several accounts that contain erroneous information, which I believe is negatively impacting my credit score. The following is a detailed description of the accounts in question : AccounXXXX XXXX XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
* Dispute Reason : I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. I asked for them to provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I didnt receive anything regarding proof. 

Account XXXX : XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
* Dispute Reason : I previously disputed this account stating : ''This account is incorrectly being reported with missing and late payments. I asked them to provide proof of the late payment or delete the negative payment status on this account. I didnt receive anything regarding proof of any missed or late payments Account XXXX : XXXX Credit Card XXXX account XXXX XXXX XXXX on XX/XX/XXXX and a balance of {$160.00}. 
* Dispute Reason : I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. I asked for them to provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I didnt receive anything regarding proof. 

Account XXXX XXXX XXXX XXXX XXXX Secured Credit Card XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$120.00}. 
* Dispute Reason : I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. I asked for them to provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I didnt receive anything regarding proof. 

Account XXXX : XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
* Dispute Reason : I previously disputed this account stating : ''This account is incorrectly being reported with missing and late payments. I asked them to provide proof of the late payment or delete the negative payment status on this account. I didnt receive anything regarding proof of any missed or late payments Account XXXX : XXXX XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$650.00}. 
* Dispute Reason : I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. I asked for them to provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I didnt receive anything regarding proof. 

Account XXXX : Collection account from XXXX with account # XXXX and a balance of {$4700.00}. The original creditor is XXXX XXXX XXXX. 

I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Collection account from XXXX with account # XXXX and a balance of {$4700.00}. The original creditor is XXXX XXXX XXXX. 

I am writing to follow up on my previous dispute regarding account XXXX. In my initial correspondence, I stated that I have no contract with the debt collector and requested proof from the original creditor that the debt collector, XXXX XXXX XXXX XXXX XXXX, owns the debt and has the legal authority to collect it. I asked that this account be deleted if such proof could not be provided. 

I do not agree with the outcome of your investigation. Therefore, I am requesting that you mail me the documentation supporting your findings, including proof that this debt collector has a legal right to collect on this debt. 

Additionally, I have attached a copy of the court order from the State of Michigan dismissing the case filed by XXXX XXXX XXXX XXXX XXXX. This dismissal confirms that the claim was not upheld, and as such, the debt is not legally collectible. 

I am formally requesting the immediate removal of this account from my credit report. Please confirm this action in writing. Should you fail to comply, I am prepared to pursue further remedies under the Fair Credit Reporting Act ( FCRA ). 

Account XXXX : XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
* Dispute Reason : I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. I asked for them to provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I didnt receive anything regarding proof. 

I have already filed disputes with the credit bureaus and included their responses as attachments for your review. However, the errors have not been corrected, and I am requesting your assistance in ensuring these inaccuracies are permanently removed from my report. 

Please contact me if you require any further information or clarification. I appreciate your time and prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX