Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( Experian ), XXXX ( XXXX ) High Balance : {$4000.00} ( XXXX ), {$0.00} ( Experian ), {$2400.00} ( XXXX ) Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( all three ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian, XXXX ) Balance Owed : {$4000.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account Rating : Derogatory ( all three ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( XXXX, Experian ), Account disputed ( XXXX ) Creditor Type : Miscellaneous Banks ( XXXX ), Bank Credit Cards XXXX Experian XXXX, All Banks ( XXXX ) Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Charged off as bad debt ( XXXX ), Subscriber reports dispute resolved - consumer disagrees ( Experian ), Consumer disputes after resolution ( XXXX ) Payment Amount : {$0.00} ( all three ) Last Payment : XX/XX/XXXX ( XXXX, Experian ), XX/XX/XXXX ( XXXX ) Term Length : XXXX ( all three ) Past Due Amount : {$4000.00} ( all three ) Account Type : Credit Card ( XXXX, Experian ), -- ( XXXX ) Payment Frequency : -- ( all three ) Credit Limit : {$2500.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : XXXX. High Balance : Different amounts reported by XXXX ( {$4000.00} ), Experian ( {$0.00} ), and XXXX ( {$2400.00} ). 
XXXX. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
XXXX. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
XXXX. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 
Enclosed are copies of my credit reports from XXXX, Experian, and XXXX, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX