Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Experian Dispute Department** XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX, XXXX Subject : Dispute of Inaccurate Information on Credit Report for XXXX XXXX  XXXX Report Number : XXXX ) ** Dear Experian Dispute Department, I am writing to dispute inaccuracies I have found in my credit report regarding my XXXX XXXX  account ( Account Number : XXXX ). Below are the details of my dispute : XXXX XXXX  Dispute Details : ** - The account is incorrectly reported as charged off with a past due balance of {$8300.00}. I believe this information is incorrect because [ provide a detailed reason, such as payments not recorded, possible identity theft, or any errors you've noticed ]. 
- The status should reflect [ mention the correct status if known, or state that further investigation is needed ]. 

Attached are supporting documents, including a copy of the credit report with the disputed items highlighted and any relevant evidence that supports my claims. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this information be investigated and corrected. Please send me a copy of the corrected report once adjustments are made, or provide an explanation if the dispute is not resolved to my satisfaction. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian Dispute Department po box XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Report Number : XXXX ) Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report concerning my accounts with both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Here are the details of the accounts in question : XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) ** - The report reflects a charge-off status with a balance of {$5200.00}. I believe this is incorrect due to [ provide specific reasons, such as payment history inconsistencies, missing payments, or potential errors ]. I request a review and correction. 

XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) ** - This account is listed as charged off with a balance of {$1400.00}. Given the payment history, I suspect there may be inaccuracies. [ Mention discrepancies or provide reasons and suggest a re-evaluation ]. 

Enclosed you will find a copy of the credit report with the disputed items highlighted along with any supporting documentation that substantiates my claims. 

According to the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into these matters. I expect corrections to reflect the accurate status of these accounts in my credit file, or a detailed explanation if the dispute can not be resolved in my favor. 

Thank you for your immediate attention to these matters. Please confirm receipt of this letter and notify me regarding the status of my disputes. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department po box XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Report Number : XXXX ) Dear Experian Dispute Department, I am writing to formally dispute inaccuracies I have found in my credit report specifically concerning my accounts with XXXX XXXX and XXXX XXXX. The details are outlined below : XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) ** - The account is reported as charged off with a balance of {$870.00}. Given the circumstances [ explain such as recent payments not recorded, incorrect status, etc. ], this information appears to be incorrect and I request a review and update. 
- Youll find attached documentation to support my claims. 

XXXX. XXXX XXXX ( Account Number : XXXX ) ** - This account shows a collection status with a balance of {$630.00}. I dispute the accuracy of this balance as the history of transactions and possible over-reporting do not align. [ Attach evidence if any. ] - I ask for a thorough investigation and rectification. 

Included with this letter are supporting documents along with copies of my report highlighting the disputed items. Under the Fair Credit Reporting Act ( FCRA ), I respectfully request these matters be investigated and corrected in a timely fashion to reflect the accurate status on my credit file. 

Please send me a corrected credit report if changes are made, or a comprehensive explanation if the dispute is deemed unresolved. 

Thank you for your immediate attention to these matters. Kindly confirm receipt of this correspondence and keep me informed of my dispute status. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian Dispute Department po box XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Report Number : XXXX ) Dear Experian Dispute Department, I am writing to dispute inaccuracies contained in my Experian credit report. The issues are related to the accounts with XXXX XXXX XXXX XXXX and XXXX as detailed below : **1. XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX ) ** - Both accounts are listed as paid and closed without any late payments. However, if there's any indication of late payments, I believe this might be an error. [ Provide explanation, if any discrepancy was noted ]. 

XXXXXXXX XXXX ( Account Number : XXXX ) ** - This account is accurately reported as closed, never late, but I have noticed [ include any suspected errors or inconsistencies you observed ]. 

Please find attached documentation supporting my claims, as well as copies of the affected credit report highlighting the items under dispute. 

According to the Fair Credit Reporting Act ( FCRA ), I request that these lines be reviewed and, if necessary, corrected, so that my credit file reflects the most accurate information possible. Kindly send a revised copy of my credit report after rectification or provide a detailed explanation should the dispute not be resolved in my favor. 

Thank you for promptly addressing this matter. I look forward to your response and updates regarding my dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Experian Dispute Department po box XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Report Number : XXXX ) Dear Experian Dispute Department, I am writing to dispute certain information on my Experian credit report that I believe is inaccurate concerning my XXXX XXXX XXXX XXXX accounts. Here are the details of my accounts and the issues identified : **1. XXXX XXXX XXXX XXXX ( Account Number : XXXX, opened XX/XX/XXXX ) ** - Listed as paid and closed, never late. However, these details may not fully capture the accurate history of the account concerning its closure and transfer status. 

XXXX. XXXX XXXX XXXX XXXX  ( Account Number : XXXX, opened XX/XX/XXXX ) ** - Similarly, this account is shown as paid and closed. I believe any past inaccuracies or indications of lingering issues should be reviewed as well. 

I have attached relevant documentation and a copy of my credit report highlighting the sections under dispute. 

Under the Fair Credit Reporting Act ( FCRA ), I request a thorough reinvestigation of these accounts to ensure that my credit report reflects accurate information. Please correct any inaccuracies you find, and provide me with a new copy of my credit report after changes, or an explanation if the dispute is not found in my favor. 

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

Sincerely, XXXX 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