Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

To Whom It May Concern, I am writing to dispute the validity of the collection account listed on my credit report, referenced by the account number. Also, I am writing to dispute several inaccuracies and discrepancies on my credit report, which I believe require immediate attention. Upon reviewing my credit report, I have identified numerous errors that adversely impact my creditworthiness and financial standing. The inaccuracies include the following : Lack of Notification : I have not received any prior notification about the existence of the following accounts, which have appeared on my credit report without my knowledge : XXXX XXXX XXXX BANK XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$570.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$570.00} written off. {$570.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$570.00} Highest balance XXXX XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement - TRULIANT FEDERAL CU 53 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$23000.00} Balance updated XX/XX/XXXX Original balance {$22000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO XXXX XXXX XXXX CO CO CO CO XXXX XXXX XXXX CO CO CO CO XXXX XXXX XXXX CO CO CO CO XXXX XXXX XXXX CO CO CO CO XXXX XXXX XXXX XXXX CO CO CO XXXX XXXX XXXX XXXX CO CO CO CO XXXX XXXX XXXX CO CO CO CO XXXX XXXX CO CO CO CO XXXX XXXX CO CO CO CO XXXX XXXX XXXX CO CO CO CO XXXX XXXX XXXX CO CO CO CO PAYMENT HISTORY LEGEND Status Creditor can not locate individual. {$24000.00} written off. {$23000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$23000.00} Original balance {$22000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 66 Months Company sold - Original creditor - Comments- Your statement XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$970.00} Balance updated XX/XX/XXXX Original balance {$970.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Cell Phone Payment summary XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - C XXXX - ND XXXX - XXXX XXXX - XXXX These lenders have accessed your credit file : XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX FIN Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$970.00} Closed Names XXXX XXXX Identity Theft and Fraud : Several accounts listed on my credit report were opened fraudulently as a result of identity theft. I have reported these incidents to the relevant authorities and have taken steps to rectify the situation. Debt That Has Already Been Paid : I have already settled or paid off certain debts that are still being reported as outstanding on my credit report. Incorrect Balance : The reported balances on several accounts are inaccurate and do not reflect the correct amounts owed. Duplicate Collections : There are duplicate entries for the same debt on my credit report, which is inflating the total amount owed and misrepresenting my financial obligations. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Therefore, I request that you conduct a thorough investigation into these matters and take the necessary steps to correct the inaccuracies promptly. Specifically, I request the following actions : Verification of the accuracy of the information reported, including balances, payment history, and account status. Removal of any accounts that were opened fraudulently as a result of identity theft. Correction of any inaccuracies related to debts that have already been paid or settled. Elimination of duplicate collections entries. I kindly ask that you provide me with a written response detailing the results of your investigation and any actions taken to address these disputes. Please send all correspondence to the address listed above. Thank you for your prompt attention to this matter. I expect a timely resolution in accordance with the FCRA guidelines. Sincerely, Frederick Childers Under Section 605 ( b ) of the Fair Credit Reporting Act ( 15 U.S. Code 1681c-2 ), I am entitled to dispute inaccuracies in my credit report directly with the furnisher of the information. Upon reviewing my credit report, I discovered an entry from your agency regarding a debt allegedly owed by me. However, I assert that this debt is inaccurate, and I am exercising my rights under the Fair Credit Reporting Act to dispute its validity. According to Section 605 ( b ) ( 15 U.S. Code 1681c-2 ), before reporting any negative information to a credit reporting agency, including the collection of debts, the furnisher of such information must provide notice to the consumer. This notice should include the following information : The amount of the debt. The name of the creditor to whom the debt is owed. A statement that the consumer has thirty days to dispute the debt 's accuracy. A statement that the debt will be assumed valid by the collection agency unless the consumer disputes it within thirty days. I have not received any such notice regarding the debt in question. Therefore, I request that you provide me with the required notice and documentation within thirty days of the date of this letter. Until such time, I demand that you cease all collection activities and refrain from reporting this debt to any credit reporting agency. Furthermore, please be advised that failure to comply with the requirements outlined in Section 605 ( b ) ( 15 U.S. Code 1681c-2 ) may result in legal action being taken against your agency. Please provide written confirmation that you have received this dispute letter and are investigating the matter. Additionally, please inform me of any actions taken on your part to rectify this issue. Thank you for your prompt attention to this matter. Sincerely,