Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
THESE ACCOUNTS ARE reporting inaccurate information from XXXX and & experian please remove these accounts since your violation of 15 USC 1681 A-I 5 U.S. Code 1681e - Compliance procedures * U.S. Code * Notes prev|next ( a ) Identity and purposes of credit users Everyconsumer reporting agencyshall maintain reasonable procedures designed to avoid violations ofsection 1681c of this titleand to limit the furnishing ofconsumer reportsto the purposes listed undersection 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Everyconsumer reporting agencyshall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user aconsumer report.Noconsumer reporting agencymay furnish aconsumer reportto anypersonif it has reasonable grounds for believing that theconsumer reportwill not be used for a purpose listed insection 1681b of this title.

( b ) Accuracy of report Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed Aconsumer reporting agencymay not prohibit a user of aconsumer reportfurnished by the agency on aconsumerfrom disclosing the contents of the report to theconsumer, ifadverse actionagainst theconsumerhas been taken by the user based in whole or in part on the report.

( d ) Notice to users and furnishers of information ( 1 ) Notice requirement Aconsumer reporting agencyshall provide to anyperson ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to anyconsumer ; or ( B ) to whom aconsumer reportis provided by the agency ; a notice of suchpersons responsibilities under this subchapter.

( 2 ) Content of notice TheBureaushall prescribe the content of notices under paragraph ( 1 ), and aconsumer reporting agencyshall be in compliance with this subsection if it provides a notice under paragraph ( XXXX ) that is substantially similar to theBureauprescription under this paragraph. 
( XXXX ) Procurement of consumer report for resa XXXX Account # XXXX High Balance {$970.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$970.00} Closed Date XX/XX/XXXX Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Bank Credit Cards Account Status Closed Payment Status Collection/Chargeoff Creditor Remarks Charged off as bad debt Dispute resolved; reported by grantor Original Creditor -- Payment Amount {$0.00} Last Payment -- Term Length -- Past Due Amount {$970.00} Account Type Credit Card Payment Frequency Credit Limit {$500.00} Experian Account # XXXX High Balance {$740.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$740.00} Closed Date -- Account Rating Closed Account Description Individual Dispute Status Account not disputed Creditor Type Bank Credit Cards Account Status Closed Payment Status Late 60 Days Creditor Remarks Account was in dispute - now resolved - reported by subscriber. 
Original Creditor -- Payment Amount {$38.00} Last Payment -- Term Length -- Past Due Amount {$100.00} Account Type Credit Card Payment Frequency Credit Limit {$500.00}

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