Consumer complaint received 2024-07-02
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. (SC)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Dispute of Account Information - Request for Validation Account # : XXXX Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my credit report with both XXXX and Experian. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification and validation of the reported information. The account in question is listed as follows : Account Details : Account Number : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Closed Monthly Payment : {$54.00} Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Balance : {$770.00} No. of Months ( terms ) : XXXX High Credit : {$770.00} Credit Limit : {$300.00} Past Due : {$80.00} Payment Status : Late 60 Days Last Reported : XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber Date Last Active : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Date of Last Payment : XX/XX/XXXX Two-Year Payment History : | Month | XX/XX/XXXX | XX/XX/XXXX | XXXX XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/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 | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | | Experian | XXXX | XXXX | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | OK | According to the FCRA, Section 611 ( 15 U.S.C. 1681i ), I am requesting that you provide me with the following : Validation of the Account : Detailed verification from the original creditor regarding the accuracy of the reported information. 

Verification of the Reporting : Proof that the account was reported accurately and in compliance with the FCRA. 

Deletion of Inaccurate Information : If the information can not be validated, I request that it be removed from my credit report immediately. 

Please conduct a thorough investigation of this disputed information and provide me with the results within the 30-day timeframe mandated by the FCRA. 

Enclosed, you will find a copy of my credit report highlighting the disputed account for your reference.