Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
I am writing to formally request the immediate removal or correction of all inaccurate derogatory marks on my credit report, associated with the following accounts. 

XXXX XXXX XXXX XXXX Account # XXXX, with a balance of {$160.00}. 
This account is incorrectly reported as a charge-off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00}, or delete the negative payment status on this account. 

XXXX XXXX  XXXX Account # XXXX, with a balance of {$0.00}. 
This account is incorrectly reporting 2 late payments, but my Experian report reflects 0 late payments. Please correct this. 

XXXX XXXX XXXX 
Account # XXXX, with a balance of {$0.00}. 
This account was charged off, and I no longer owe money to this creditor, but it still shows a balance due. Please correct this. 

XXXX XXXX Account Account # XXXX, opened on XX/XX/XXXX with a balance of {$1000.00}. 
This account was charged off, and I no longer owe money to this creditor, but it still shows a balance due. Please correct this. 

XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, with a balance of {$0.00}. 
I paid off this account, but it still shows that I owe a balance. Please update the account to reflect that it has been paid off. 

XXXX XXXX, XXXX XXXX  Account # XXXX, opened on XX/XX/XXXX with a balance of {$35.00}. 
This account is incorrectly reported as a charge-off with a balance due. Please provide proof of the charge-off and update the balance to {$0.00}, or delete the negative payment status on this account. 

Collection account from XXXX XXXX XXXX XXXX Account # XXXX, with a balance of {$120.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it, or delete this account. 

Collection account from XXXX XXXX Account # XXXX, with a balance of {$580.00}. The original creditor is XXXX XXXX XXXX XXXX. XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it, or delete this account. 

Collection account from XXXX XXXX XXXX Account # XXXX, with a balance of {$390.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it, or delete this account. 

I previously filed a dispute regarding this matter, but my dispute was denied, and no adequate follow-up or investigation was conducted by Experian. Recently, I became aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for failing to correct inaccuracies and accepting unreliable information in credit reporting. Given that this situation aligns with my own, I am requesting that the inaccurate information regarding this account be corrected immediately. 

This derogatory mark is significantly impacting my creditworthiness and affecting my ability to make important life decisions, including purchasing a home, securing reliable transportation, and pursuing career opportunities. It is clear that this is a violation of my rights as a consumer and a failure on the part of Experian to uphold its obligations under federal law. 

As such, I respectfully request the following actions : Immediate removal or correction of the inaccurate charge-off entry on the referenced account. 
A thorough investigation into the discrepancies with this account, as required by the Fair Credit Reporting Act ( FCRA ). 
A formal notification of the dispute results and any corrections made to my credit report. 
I trust you will take immediate action to resolve this matter in compliance with the law, and I look forward to receiving confirmation of these changes at your earliest convenience.

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