Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute certain items on my credit report as required by the Fair Credit Reporting Act ( FCRA ). My request is made under the provisions of 15 USC 1681i ( a ) ( 1 ), 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), and 15 USC 1681i ( a ) ( 5 ) ( B ), which govern the responsibilities of consumer reporting agencies in investigating and correcting inaccurate information. 

Upon reviewing my credit report, I found inaccuracies that I believe require your immediate attention. Specifically, I dispute the following accounts : 1. One specific inaccuracy identified in the credit report pertains to the *Account Status* for the account with XXXX XXXXXXXX XXXX XXXX*. The report lists that there are XXXX late payments** and states that the account is **Closed** with a ** {$150.00} past due amount as of XXXX XXXX. 

Additionally, the *Past Due Amount* being represented as closed when it indicates a balance due is contradictory and may suggest reporting inaccuracies.

For factual disputation, one could argue that the information about the account being closed while showing a past due amount may violate reporting standards and merit correction.

2. XXXX XXXXXXXX XXXX* : XXXX potentially negative months, account charged off with a balance of {$350.00}. 

2. **XXXX XXXX XXXX* : XXXX late payments, account closed and marked as paid. 

3. *XXXX** : Status indicates it was accounted as charged off with a balance written off {$10000.00}. 

4. XXXX XXXX XXXX XXXX XXXX Collection account with a balance of {$16000.00}.

5. **Department of XXXX** : Noted with XXXX late payments and a balance of {$340.00}. 

These entries highlight various issues including late payments and charged-off accounts, which could impact my credit score negatively.

According to 15 USC 1681i ( a ) ( 1 ), I have the right to dispute the accuracy of information in my credit report. Additionally, pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), Experian is obligated to conduct a reasonable investigation of my dispute. Furthermore, as outlined in 15 USC 1681i ( a ) ( 5 ) ( B ), any information that has been reinserted into my credit file after being previously deleted must be properly verified before being reported again. 

I request that you conduct a thorough investigation of the disputed accounts, provide me with the results of your investigation, and correct any inaccuracies found. Please ensure that the investigation is completed within the legally mandated time frame of XXXX days. 

Enclosed with this letter are copies of relevant documents that support my claim. Please contact me at the above address or via email should you require any further information to facilitate your investigation. 

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

Sincerely, 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