Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

Dear CFPB I am writing to dispute several inaccuracies on my credit report from Experian that are adversely affecting my creditworthiness. These errors are causing significant hardship and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 and 15 USC 1681c-2.

Account Details : XXXX. **BANK XXXX XXXX XXXX Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Charge Off - Balance : {$150.00} - Credit Limit : {$300.00} - Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Secured Credit Card - Responsibility : Individual - Remarks : Charged Off Account, Account Closed By XXXX XXXX - Payment History : Multiple inaccuracies in reporting payment statuses and dates. 

XXXX. *XXXX XXXX XXXX* - Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Closed ( Repossession ) - Balance : {$13000.00} - Original Balance : {$24000.00} - Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Auto Loan - Responsibility : Joint - Remarks : Repossession, Significant discrepancies in payment history. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Charge Off - Balance : {$0.00} - Original Balance : {$16000.00} - Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Auto Loan - Responsibility : Joint - Remarks : Account Paid For Less Than Full Balance XXXX. XXXX XXXX XXXX ( XXXX BANK XXXX - Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Open ( Collection Account ) - Balance : {$820.00} - Original Creditor : XXXX BANK XXXX Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Maker - Responsibility : Signer - Remarks : Account Previously In Dispute - Now Resolved By Data Furnisher XXXX. **XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Open ( Collection Account ) - Balance : {$670.00} - Original Creditor : XXXX  - Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Collection - Responsibility : Individual XXXX. XXXX XXXX  XXXX ( XXXX XXXX ) - Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Open ( Collection Account ) - Balance : {$430.00} - Original Creditor : XXXX XXXX - Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Collection - Responsibility : Individual XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Open ( Collection Account ) - Balance : {$1200.00} - Original Creditor : XXXX XXXX XXXX - Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Collection - Responsibility : Individual Furthermore, Experian has inaccurately reported my address and failed to correct an open credit card account linked to my current address. These errors are serious and demand immediate correction under the FCRA. 

Enclosed are copies of relevant documents supporting my claim. Please investigate these matters and correct the inaccurate information on my credit report promptly. 

Sincerely, XXXX XXXX