Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

NOTICE of Dispute, Closed Account Information on Credit Report Dear CREDIT Bureau, After reviewing my credit report, I have identified a closed account that I believe to be inaccurate. After submitting multiple request for corrections and adjustments, the matter still has not been resold in accordance to Fair Credit Reporting Act ( FCRA ) that pertains to disputing inaccuracies on your credit report is 15 U.S. Code 1681i. ] Per the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). THIS IS MY FINAL NOTICE WITH AN OPPORTUNITY TO CURE AND AJUST THE CLOSED AND PAID IN FULL ACCOUNTS.The details of the disputed account are as follows : ( 1 ) -- -XXXX XXXX  XXXX XXXX CLOSED/PAID IN FULL ), Activity Designator PAID, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) -- - XXXX XXXX XXXXXXXX ( CLOSED/PAID IN FULL ) , Activity Designator PAID, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX - XXXX XXXX  XXXX CLOSED/PAID IN FULL ), Activity Designator PAID_AND_CLOSED, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, DE XXXX XXXX ( XXXX ) -- - XXXX XXXX  XXXX ( CLOSED/PAID IN FULL ), Activity Designator PAID, Date Opened XXXX XXXX, XXXX XXXX XXXX Reported XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) -- -XXXX XXXX  ( CLOSED/PAID XXXX XXXX XXXX, Activity Designator XXXX, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) -- -XXXX XXXX ( CLOSED/PAID IN FULL ) Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) -- -XXXX XXXX  ( CLOSED/PAID IN FULL ), Activity Designator PAID_AND_CLOSED, Date Opened XXXX XXXX, XXXX, Date Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX ( XXXX ) -- XXXX XXXX ( CLOSED/PAID IN FULL ), Activity Designator PAID_AND_CLOSED, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX ( XXXX ) -- - *INQUIRIES* TO BE REMOVED. 
XX/XX/XXXX XXXX XXXX, XXXX XXXX to Consumer Report XX/XX/XXXX XXXX XXXX XXXX XXXX to Consumer Report XX/XX/XXXX XXXX XXXX, XXXX Credit Report XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Review XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX ( XXXX ) -- - ADRESS TO BE CORRECTED AND FIXED. ( THESE ARE ALL UNMAILABLE ADDRESS AND REQUEST YOUR IMMEDIATE ATTENTION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Former XX/XX/XXXX ( NO AUTHORIZATION WAS GIVEN TO ANY COMPANY TO ACESS MY CREDIT SCORE, IF YOU BELIVE THEY HAD MY PERMISSION, PLEASE PROVIDE ME WITH MY WRITTEN INSTRUCTION AND SIGNATURE AUTHORIZING SUCH TRANSACTIONS. ) Further more i have found this section of all your XXXX agency. ( *Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. 
You must give your consent for reports to be provided to employers.A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. * )