Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute several items on my credit report that are inaccurate and have been negatively affecting my credit score. After reviewing my credit report, I found multiple potential violations of the Fair Credit Reporting Act ( FCRA ) that I want to bring to your attention. 

One of the items on my credit report is a collection account from XXXX, XXXX XXXX XXXX XXXX. I have no knowledge of this account and have never received any notification about it. As far as I know, this is a case of mistaken identity. This has caused a great deal of stress and anxiety in my life, and I am requesting that this account be removed from my credit report immediately. 

Another item is a collection account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both of these accounts have potential violations of the FCRA because they have failed to disclose a monthly payment, as reported by XXXX. This has affected my credit score and made it difficult for me to obtain credit. I am requesting that both of these accounts be removed from my credit report. 

Furthermore, the XXXX XXXX XXXX account has multiple potential violations of the FCRA. According to XXXX and XXXX, the balance was reported as {$0.00}, but Experian did not. Additionally, there is a high credit balance reported by Experian and XXXX, but omitted by XXXX. There are also different seeding and last reported dates reported by all three credit bureaus. This has caused confusion and uncertainty in my life, and I am requesting that this account be removed from my credit report. 

The same goes for the XXXX XXXX XXXX XXXX XXXX account. There are different seeding and last reported dates reported by Experian and XXXX, and XXXX has failed to report the high credit balance, as reported by Experian. This has affected my credit score and made it difficult for me to obtain credit. I am requesting that this account be removed from my credit report. 

The XXXX XXXX XXXX XXXX account also has a potential violation of the FCRA because XXXX has failed to report the credit limit balance, as reported by Experian. There are also different last reported dates reported by all three credit bureaus. I am requesting that this account be removed from my credit report. 

The XXXX XXXX XXXX account has potential violations of the FCRA because XXXX has failed to report the monthly payment balance, as reported by Experian. Additionally, Experian and XXXX have failed to report the high credit balance, as reported by XXXX. This has affected my credit score and made it difficult for me to obtain credit. I am requesting that this account be removed from my credit report. 

Finally, the XXXX XXXX XXXX XXXX account, which is associated with XXXX XXXX XXXX XXXX XXXX, has a potential violation of the FCRA because XXXX has failed to report the number of months ( terms ), as reported by Experian. This has affected my credit score and made it difficult for me to obtain credit. I am requesting that this account be removed from my credit report. 

These inaccuracies have had a significant impact on my life. They have caused me a great deal of stress and anxiety, and they have made it difficult for me to obtain credit, including a mortgage. I am requesting that all of these accounts be removed from my credit report immediately. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX