Consumer complaint received 2024-07-16
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Credit Information Under FCRA Section 611 Dear EXPERIAN, I am writing to dispute the following inaccurate and unverifiable information that appears on my credit report under the Fair Credit Reporting Act ( FCRA ) Section 611. Please investigate this matter and remove the erroneous information from my credit file.

The account in question is : Creditor : XXXX XXXX  Account Number : XXXX Credit Bureau XXXX XXXX XXXX Experian XXXX and XXXX The specific details of the account are as follows : XXXX : Account XXXX XXXX XXXXXXXX High Balance : {$1400.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$1400.00} Account Type : Credit Card Payment Frequency : -- Credit Limit : {$1500.00} Experian : Account # : XXXX High Balance : {$0.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Account was in dispute - now resolved - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$1400.00} Account Type : Credit Card Payment Frequency : -- Credit Limit : {$1500.00} XXXX : Account # : XXXX High Balance : {$1400.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : All Banks Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off account Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$1400.00} Account Type : Credit Card Payment Frequency : -- Credit Limit : {$0.00} I have identified several inconsistencies and inaccuracies in the reporting of this account across the three credit bureaus. These discrepancies are not only confusing but also damaging to my creditworthiness. Specifically : 5. The high balance reported by XXXX is different from that reported by Experian. 
XXXX. The dates of last activity and date reported are inconsistent among the three credit bureaus.

7. The balance owed, closed dates, and payment statuses are not consistent.

8. The payment history contains several inaccuracies and does not accurately reflect my payment behavior. 

Given these significant discrepancies, I request that you investigate and remove this inaccurate, unverifiable, and incomplete information from my credit report. 
Please provide me with written confirmation of your investigation and the resulting actions taken. 
Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period as required by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX