Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX XXXX Dear Credit Bureau I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ), XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian, XXXX ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( all three ) Creditor Type : Bank Credit Cards XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Payment after charge off/collection, Settled - less than full balance ( XXXX ), Account legally paid in full for less than the full balance, Unpaid balance reported as a loss by the credit grantor ( Experian ), Settlement accepted on this account, Paid charge off ( XXXX ) Payment Amount : {$0.00} XXXX all three ) Last Payment : XX/XX/XXXX ( XXXX, Experian ), XX/XX/XXXX ( XXXX ) Term Length : -- ( all three ) Past Due Amount : {$0.00} ( all three ) Account Type : Credit Card ( XXXX, Experian ), -- ( XXXX ) Payment Frequency : -- ( all three ) Credit Limit : {$6000.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : 1. High Balance : Different amounts reported by XXXX ( {$6900.00} ), Experian ( {$0.00} ), and XXXX ( {$6900.00} ). 
2. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
3. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
4. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 











Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 

Enclosed are copies of my credit reports from XXXX, Experian, and XXXX, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 

Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, Sincerely, XXXX 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