Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
# # # #  To XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Incorrect Information in Credit Report under 15 USC 1681 e ( b ) Dear XXXX Representative, I am writing to dispute inaccurate information on my credit report. According to 15 USC 1681 e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following account contains incorrect information and requires correction : # # # Disputed Account Information : **XXXX  XXXX XXXX** - **Account Number : ** XXXX - **Account Type : ** Installment account - **Account Status : ** Closed - **Balance : ** {$5300.00} - **Payment Status : ** Charged off as bad debt ( incorrect, should be updated to paid as agreed ) # # # Basis for Dispute : The information reported is inaccurate and does not reflect my actual payment history. This violates the requirement for accurate reporting under 15 USC 1681 e ( b ). 

# # # Enclosed Documentation : - Copies of my credit report with highlighted disputed entries. 
- Supporting documents from creditors confirming accurate account status and payment history. 

I request a thorough investigation into this matter and prompt correction of my credit report to reflect accurate information. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Last 4 Digits of SSN : XXXX -- - # # # # To Experian : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Incorrect Information in Credit Report under 15 USC 1681 e ( b ) Dear Experian Representative, I am writing to dispute inaccurate information on my credit report. According to 15 USC 1681 e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following account contains incorrect information and requires correction : # # # Disputed Account Information : **XXXX  XXXX XXXX** - **Account Number : ** XXXX - **Account Type : ** INSTALLMENT - **Account Status : ** Closed - **Balance : ** {$5300.00} - **Payment Status : ** Charge-off ( incorrect, should be updated to paid as agreed ) # # # Basis for Dispute : The information reported is inaccurate and does not reflect my actual payment history. This violates the requirement for accurate reporting under 15 USC 1681 e ( b ). 



I request a thorough investigation into this matter and prompt correction of my credit report to reflect accurate information. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Last 4 Digits of SSN : XXXX -- - # # # #  To XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Information in Credit Report under 15 USC 1681 e ( b ) Dear XXXX Representative XXXX I am writing to dispute inaccurate information on my credit report. According to 15 USC 1681 e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following account contains incorrect information and requires correction : # # # Disputed Account Information : **XXXX  XXXX XXXX** - **Account Number : ** XXXX - **Account Type : ** Installment - **Account Status : ** Closed - **Balance : ** {$5300.00} - **Payment Status : ** Charge-off ( incorrect, should be updated to paid as agreed ) # # # Basis for Dispute : The information reported is inaccurate and does not reflect my actual payment history. This violates the requirement for accurate reporting under 15 USC 1681 e ( b ). 



I request a thorough investigation into this matter and prompt correction of my credit report to reflect accurate information. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Last 4 Digits of SSN : 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