Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following inaccuracies on my credit file. As a Consumer Reporting Agency, it is your responsibility to report consumer information with maximum accuracy. I demand that you take immediate action to correct these errors, as required by the FCRA ACT 15 U.S. Code 1681. The items I am disputing are clearly marked on the attached copy of the report that I am enclosing with this letter and also specified below. 
I expect a prompt response from you regarding this matter. 

XXXX XXXX XXXX Account # XXXX is inaccurate because : XXXX. Account : XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), Experian ( XXXX XXXXXXXX XXXX  ). 2. Status : XXXX ( CLOSED ), XXXX ( 90 days Late ) & Experian ( 90 days Late ). 3. High Balance : XXXX ( {$10000.00} ), XXXX ( {$0.00} ), Experian ( {$0.00} ). 4. Count of Late Payments : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( 15 ). 5. Payment History : XXXX ( XXXX ), XXXX ( XXXX, XXXX, XXXX, [ 30days ], XX/XX/XXXX, XX/XX/XXXX ), Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX is inaccurate because : XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Status : XXXX ( Closed ), XXXX ( 90 days Late ), Experian ( 90 days Late ). XXXX. Count of Late Payments : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( 3 ). Payment History : XXXX ( Blank ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX ). 

XXXX XXXX XXXX XXXX is inaccurate because : XXXX. XXXX : XXXX ( XXXX ), XXXX ( XXXX XXXX ), Experian ( XXXX XXXX ). XXXX. Status : XXXX ( 60 days late ), XXXX ( 60 days late ), Experian ( 90 days late ), 3. Count of Late Payments : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( XXXX ). Payment History : XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX ), Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

XXXX XXXX XXXX # XXXX is inaccurate because : XXXX. XXXX : XXXX ( XXXX XXXX ), XXXX ( XXXXXXXX XXXX ), Experian ( XXXX XXXX ). XXXX. Status : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( 90 days late ). XXXX. Count of Late Payments : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( XXXX ). XXXX. Payment History : XXXX ( XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ( XXXX ), Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

XXXX XXXX XXXX # XXXX is inaccurate because : XXXX. XXXX : XXXX ( XXXX of XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian ( XXXX XXXX  ). XXXX. Status : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( 90 days late ). XXXX. Count of Late Payments : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( XXXX ). XXXX. XXXX : XXXX ( Unknown ), XXXX ( Unknown ), Experian ( Closed ). XXXX. Payment History : XXXX ( Blank ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX ), Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX is inaccurate because : XXXX. XXXX : XXXX ( XXXX XXXX ), XXXXXXXX XXXX XXXX XXXX  ), Experian ( XXXX XXXX XXXX  ). XXXX. Status : XXXX ( 90 days late ), XXXX ( 90 days late ), Experian ( 120 days late ). XXXX. Count of Late Payments : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( XXXX ). XXXX. Payment History : XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/120 ). Also, this item has 3 listed accounts and one only reporting to Experian. 

XXXX XXXX  # XXXX is inaccurate because : XXXX. XXXX : XXXX ( XXXX  ), XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian ( XXXX ). XXXX. Status : XXXX ( 60 days late ), XXXX ( 60 days late ), Experian ( 90 days late ). XXXX. Count of Late Payments : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( XXXX ). XXXX. Payment History : XXXX ( Blank ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  ), Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

XXXX XXXX XXXX # XXXX is inaccurate because : XXXX. XXXX : XXXX ( XXXX ), XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Experian ( XXXX XXXX ). XXXX. Status : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( 60 days late ). XXXX. Count of Late Payments : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( XXXX ). XXXX. Payment History : XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

XXXX XXXX XXXX  XXXX # XXXX is inaccurate because : XXXX. XXXX : XXXX XXXX XXXX ), XXXX ( XXXX XXXX XXXX, Experian ( XXXX XXXX XXXX ). XXXX. Status : XXXX ( Closed ), XXXX ( 60 days late ), Experian ( 60 days late ). XXXX. Count of Late Payments : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( XXXX ). XXXX. Payment History : XXXX ( Blank ), XXXX ( XX/XX/XXXX, XX/XX/XXXX ), Experian ( XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX ). 

XXXX XXXX XXXX # XXXX is inaccurate because : XXXX. XXXX : XXXX ( XXXX ), XXXX ( XXXXXXXX XXXX ), Experian XXXX XXXX XXXX XXXX  ). XXXX. Status : XXXX ( 90 days late ), XXXX ( 90 days late ), Experian ( 120 days late ). XXXX. Count of Late Payments : XXXX ( XXXX ), XXXX ( XXXX ), Experian ( XXXX ). XXXX. Payment History : XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/120 ). Also, this item has 3 listed accounts and one only reporting to Experian. 

Lastly, all of the information on my report is required to be identical across the board with XXXX, EXPERIAN, AND XXXX, including but not limited to Name, Addresses, and Phone Numbers. The Only Address that is allowed on my Credit Report is : XXXX XXXX * XXXX XXXX XXXX XXXX * XXXX, Texas XXXX * XXXX