Consumer complaint received 2024-10-09 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately Experian XXXX {$1000.00} Account number XXXX Account type Charge Card Date opened XX/XX/XXXX Open/closed Closed Status Closed. {$100.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX {$46.00} XXXX Account number XXXX Account type Secured Loan Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$46000.00} written off. {$46000.00} past due as of XX/XX/XXXX. 

XXXX {$1000.00} Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Closed. {$300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXXXXXX XXXX XXXXXXXX {$3000.00} Account number XXXX Account type Credit card Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX Account number XXXX Account type Revolving account Date opened XX/XX/XXXX Open/closed Closed XXXX  XXXX Account number XXXX Account type Unsecured Date opened XX/XX/XXXX Open/closed Closed Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXXXXXX XXXX Account number XXXX Account type Revolving account Date opened XX/XX/XXXX Open/closed Closed TECHNLOGY XXXX {$46.00} XXXX Account number XXXX Account type Installment account Date opened XX/XX/XXXX Open/closed Closed Status Charged off as bad debt Status updated XX/XX/XXXX CAPITAL XXXX {$3000.00} Account number XXXX Account type Revolving account Date opened XX/XX/XXXX XXXX Closed Status Charged off as bad debt Status updated XX/XX/XXXX XXXX {$1000.00} Account number XXXX Account type Charge Card Date opened XX/XX/XXXX Open/closed Closed Status Closed. {$300.00} past due as of XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} Account number XXXX Account type Revolving account Date opened XX/XX/XXXX Open/closed Closed Status Charged off as bad debt Status updated XX/XX/XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account type Open account Date opened XX/XX/XXXX Status- Status updated XX/XX/XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold- Account type Open account Date opened XXXX XXXX, XXXX Status- Status updated XX/XX/XXXX XXXX XXXX {$1000.00} Account number XXXX Account type Charge Card Date opened XX/XX/XXXX Open/closed Closed Status Closed. {$300.00} past due as of XX/XX/XXXX XXXX Account number XXXX Account type Revolving account Date opened XX/XX/XXXX Open/closed Closed XX/XX/XXXX {$46.00} XXXX Account number XXXX Account type Installment account Date opened XX/XX/XXXX Open/closed Closed Status Charged off as bad debt Status updated XX/XX/XXXXXXXXXX/XX/XXXXXXXXXXXX {$3000.00} Account number XXXX Account type Revolving account Date opened XX/XX/XXXX XXXX Closed Status Charged off as bad debt Status updated XX/XX/XXXX XXXX {$1000.00} Account number XXXX Account type Charge Card Date opened XX/XX/XXXX Open/closed Closed Status Closed. {$300.00} past due as of XX/XX/XXXX XXXX XXXX XXXXXXXX {$1000.00} Account number XXXX Account type Revolving account Date opened XX/XX/XXXX Open/closed Closed Status Charged off as bad debt Status updated XX/XX/XXXXXXXX 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