Consumer complaint received 2025-02-03 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:
I am writing to dispute the accuracy of information appearing on my Experian credit report dated XX/XX/XXXX. I am requesting an investigation into the following accounts and the correction or deletion of inaccurate information as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o.

**Account Disputes XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) : ** I dispute the reported missed and late payments. Please provide statements and records of all payments made and missed since the account opening on XX/XX/XXXX. The current balance is correctly reported as {$0.00}. 

XXXX XXXX XXXX ( Account # XXXX ) : ** This account incorrectly reports 13 late payments. My XXXX report shows 8 late payments. Please correct the number of late payments to match my XXXX report, or provide documentation supporting the reported 13 late payments. The current balance is correctly reported as {$0.00}. 

XXXX XXXX XXXX ( Account # XXXX ) : ** This account is incorrectly reported as charged off with a balance due of {$1000.00}. Please provide proof of the charge-off. I request the balance be updated to {$0.00} or the negative payment status be deleted. 

XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) : ** This account is incorrectly reported as charged off with a balance due of {$3600.00}. Please provide proof of the charge-off. I request the balance be updated to {$0.00} or the negative payment status be deleted. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) : ** This account is incorrectly reported as charged off with a balance due of {$50.00}. Please provide proof of the charge-off. I request the balance be updated to {$0.00} or the negative payment status be deleted. 

XXXX XXXX ( Account # XXXX ) : ** I dispute the reported missed and late payments. Please provide statements and records of all payments made and missed since the account opening on XX/XX/XXXX. The current balance is correctly reported as {$0.00}. 

XXXX XXXX ( Account XXXX XXXX ) : ** This account incorrectly reports 1 late payment. My XXXX report shows 0 late payments. Please correct the number of late payments to match my XXXX report, or provide documentation supporting the reported 1 late payment. The current balance is correctly reported as {$0.00}. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX ) : ** I am a victim of identity theft and I never opened this account. I request this account be immediately deleted from my credit report. The current balance is correctly reported as {$0.00}. 

XXXX XXXX XXXX ( Account # XXXX ) : ** I dispute the reported missed and late payments. Please provide statements and records of all payments made and missed since the account opening on XX/XX/XXXX. The current balance is correctly reported as {$0.00}. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX ) : ** This account incorrectly reports XXXX late payments. My XXXX report shows XXXX late payments. Please correct the number of late payments to match my XXXX report, or provide documentation supporting the reported 6 late payments. The current balance is correctly reported as {$0.00}. 

**Collection Account Disputes : ** XXXX. XXXX XXXX XXXX  ( Account # XXXX ) : ** I never had a contract with this debt collector for any debt with XXXX XXXX XXXX XXXX Please provide proof from XXXX XXXX XXXX that this debt collector owns this debt and has the legal authority to collect it, or delete this account. The balance is reported as {$240.00}. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) : ** I never had a contract with this debt collector for any debt with XXXX. Please provide proof from XXXX that this debt collector owns this debt and has the legal authority to collect it, or delete this account. The balance is reported as {$260.00}. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX ) : ** I never had a contract with this debt collector for any debt with XXXXXXXX XXXX XXXX Please provide proof from XXXX XXXX XXXX that this debt collector owns this debt and has the legal authority to collect it, or delete this account. The balance is reported as {$1700.00}. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX ) : ** I never had a contract with this debt collector for any debt with XXXX XXXX XXXX Please provide proof from XXXX XXXX XXXX that this debt collector owns this debt and has the legal authority to collect it, or delete this account. The balance is reported as {$1400.00}. 

I have attached copies of my identification documents. Please investigate these matters thoroughly and provide me with the results of your investigation as required by the FCRA.

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