Consumer complaint received 2024-08-22 00:00:00
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.
State: GA

Complaint narrative:
Date : XX/XX/XXXX To : Experian Information Solutions Inc XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX From : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX Re : Final Demand Before Legal Action Dear Experian Information Solutions Inc., Please be advised that you owe me the following amount : Amount Requested : {$15000.00} Description : Since XX/XX/XXXX, despite repeated requests, you have failed to correct inaccurate information on file, which has caused significant harm to my credit standing. This ongoing issue has resulted in financial losses and personal distress, and your continued failure to resolve this matter is unacceptable.

In accordance with 15 U.S.C. 1681e and 1681k, you are mandated to ensure all reported information is accurate and to conduct a thorough investigation upon dispute. Under 15 U.S.C. 1692g, I have the right to demand verification of these debts, which, if unverified, should be removed from my credit report. Additionally, per 18 U.S.C. 8 and 15 U.S.C. 1681b-2, these inaccuracies may constitute an invasion of privacy and unauthorized debt reporting.

Below are the accounts and inquiries that are disputed, with detailed discrepancies that require immediate correction or removal : Disputed Accounts and Requests for Immediate Removal : XXXX. Department of EducationXXXX Account Number : XXXX Issue : Two listings show different balances ( {$3300.00} vs. {$5400.00} ) for the same account number. 
Request : Immediate removal of incorrect entries due to discrepancies in balance reporting. 
XXXX. XXXX XXXX XXXX ( Multiple Listings ) Account Number : XXXX Issue : Two listings with the same date but different balances {$9900.00} and $ XXXX the same account. 
Request : Immediate removal of inaccurate balance entries.

Account Number : XXXX Original Balance : {$9000.00} Issue : Paid off but still showing incorrect balance details. 
Request : Immediate removal of this account due to inaccurate balance entries. 
XXXX. XXXX XXXX Account Number : XXXX Issue : Balance is reported as {$68.00} with 11 potentially negative months, despite being marked paid off. 
Request : Immediate removal of negative entries and correction of balance discrepancies. 
XXXX. XXXX XXXX ( Multiple Accounts ) Account Number : XXXX Original Balance : {$2700.00} Issue : Paid off but showing incorrect balance information. 
Request : Immediate removal of this account.

Account Number : XXXX Original Balance : {$1200.00} Issue : Paid off but showing as unpaid or incorrect balance details. 
Request : Immediate removal of this account.

Account Number : XXXX Original Balance : {$2500.00} Issue : Paid off but not correctly updated. 
Request : Immediate removal of this account. 
Account XXXX : XXXX Original Balance : {$1700.00} Issue : Paid off but not accurately reflected. 
Request : Immediate removal of this account. 
XXXX XXXX ( Multiple Accounts ) Account Number : XXXX Original Balance : {$2000.00} Issue : Paid off, but incorrect or missing updates in the reporting. 
Request : Immediate removal of this account.

Account Number : XXXX Original Balance : {$2000.00} Issue : Paid off, but incorrect or missing updates in the reporting. 
Request : Immediate removal of this account.

Account Number : XXXX Original Balance : {$1300.00} Issue : Paid off, but incorrect or missing updates in the reporting. 
Request : Immediate removal of this account. 
Account Number : XXXX Original Balance : {$1300.00} Issue : Paid off, but incorrect or missing updates in the reporting. 
Request : Immediate removal of this account. 
Account Number : XXXX Original Balance : {$1300.00} Issue : Paid off, but incorrect or missing updates in the reporting. 
Request : Immediate removal of this account. 

Disputed Inquiries and Requests for Immediate Removal : XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Request : Removal of inquiry. 
XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Request : Removal of inquiry. 
XXXX. XXXX XXXX XXXX XXXX ( Late Payment Disputes ) Account Number : XXXX Issue : This account shows late payments that are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to ensure that only accurate and complete information is reported. XXXX XXXX XXXX XXXX has failed to provide adequate documentation verifying the accuracy of these late payments. As such, these entries constitute a violation of my rights under the FCRA. 
Request : I demand the immediate removal of these inaccurate late payment entries, as they have not been substantiated and therefore should not remain on my credit report. 
XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Request : Removal of inquiry. 

Demands : This will be your only chance to settle this matter before I initiate legal proceedings against you in XXXX XXXX XXXX. I am willing to settle this matter for a lump sum payment of {$15000.00}. Please contact me within 14 days of receiving this demand letter to arrange for the settlement. If you fail to do so, I will proceed with filing a lawsuit against you without further notice. 

It is in your best interest to settle this matter promptly, as if a judgment is obtained against you, you will be liable for the original amount requested, along with additional court costs and attorney fees. 

This matter requires immediate attention and resolution to avoid further escalation. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation