Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatmen
t of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX {$6900.00} XXXX XXXX  XXXX Sent Account # XXXX Status Open Credit Limit {$0.00} High Balance {$10000.00} Payment Amount {$190.00} Last Payment Term XXXX XXXX XXXX XXXX XXXX Description Individual account Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Paid or paying as agreed Past Due {$0.00} Worst Rating 90 days late XXXX {$0.00} XXXX XXXX  XXXX Sent Account # XXXX Status Open Credit Limit {$500.00} High Balance {$330.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Paid or paying as agreed Past Due {$0.00} Worst Rating 30 days late XXXX XXXX {$0.00} XXXX XXXX  XXXX Sent Account # XXXX Status Open Credit Limit {$1000.00} High Balance {$1000.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Paid or paying as agreed Past Due {$0.00} Worst Rating 30 days late XXXX {$5600.00} XXXX XXXX XXXX  Sent Account # XXXX Status Open Credit Limit {$5900.00} High Balance {$5900.00} Payment Amount {$190.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status 60 days past due Past Due {$550.00} Worst Rating 60 days late XXXX XXXX {$6900.00} XXXX XXXX  XXXX Sent Account # XXXX Status Open Credit Limit {$0.00} High Balance {$10000.00} Payment Amount {$190.00} Last Payment Term 84 Month ( s ) Description Individual account Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Paid or paying as agreed Past Due {$0.00} Worst Rating 90 days late XXXX  {$0.00} XXXX XXXX XXXX Sent Account # XXXX Status Open Credit Limit {$500.00} High Balance {$330.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Paid or paying as agreed Past Due {$0.00} Worst Rating 30 days late XXXX XXXX {$0.00} XXXX XXXX  XXXX Sent Account # XXXX Status Open Credit Limit {$1000.00} High Balance {$1000.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Paid or paying as agreed Past Due {$0.00} Worst Rating 30 days late XXXX {$5600.00} XXXX XXXX XXXX Sent Account # XXXX Status Open Credit Limit {$5900.00} High Balance {$5900.00} Payment Amount {$190.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status 60 days past due Past Due {$550.00} Worst Rating 60 days late XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX Sent Account # XXXX Status Open Credit XXXX {$0.00} High Balance {$10000.00} Payment Amount {$190.00} Last Payment Term 84 Month ( XXXX ) Description Individual Account Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Pays account as agreed Past Due {$0.00} Worst Rating 90 days late XXXX  XXXX  {$0.00} XXXX XXXX  XXXX Sent Account # XXXX Status Open Credit Limit {$500.00} High Balance {$330.00} Payment Amount {$0.00} Last Payment Term Description Individual Account Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Pays account as agreed Past Due {$0.00} Worst Rating 30 days late XXXX  {$5600.00} XXXX XXXX  XXXX Sent Account # XXXX Status Open Credit Limit {$5900.00} High Balance {$5900.00} Payment Amount {$190.00} Last Payment Term Description Individual Account Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status not more than three payments past due Past Due {$550.00} Worst Rating 60 days late