Consumer complaint received 2024-12-05 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: MD

Complaint narrative:
Greetings, 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 : ExperianXXXX XXXX XXXX ) XXXX XXXX Usage - % Balance {$2100.00} Balance Updated XX/XX/XXXX Credit Limit - {$0.00} Account # XXXX Open/Closed Closed Date Opened XX/XX/XXXX Account Type Credit Card Status Charged Off {$2700.00} Written Off {$550.00} Past Due XX/XX/XXXX Status Update XX/XX/XXXX Past Due Amount {$550.00} Highest Balance {$2700.00} Monthly Payment {$0.00} Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open.

ExperianXXXX XXXX XXXX ) XXXX XXXX XXXX  Usage - % Balance {$500.00} Balance Updated XX/XX/XXXX Credit Limit - {$0.00} Account # XXXX XXXX XXXX XXXX Open/Closed Closed Date Opened XX/XX/XXXX Account Type Credit Card Status Charged Off {$590.00} Written Off {$590.00} Past Due XX/XX/XXXX Status Update XX/XX/XXXX Past Due Amount {$590.00} Highest Balance {$500.00} Monthly Payment {$0.00} Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open.

ExperianXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Usage - % Balance {$6800.00} Balance Updated XX/XX/XXXX Credit Limit - {$2400.00} Account XXXX XXXX Open/Closed Closed Date Opened XX/XX/XXXX Account Type Credit Card Status Charged Off {$2600.00} Written Off {$2600.00} Past Due XX/XX/XXXX Status Update XX/XX/XXXX Past Due Amount $ Highest Balance {$6800.00} Monthly Payment {$0.00} Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open.

ExperianXXXX XXXX XXXX ) Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$820.00} Balance updated XX/XX/XXXX Recent payment {$150.00} as of XX/XX/XXXX Monthly payment {$42.00} Credit limit {$800.00} Highest balance {$1000.00} Terms Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open.

ExperianXXXX XXXX XXXX ) Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance {$660.00} Balance updated XX/XX/XXXX Recent payment {$100.00} as of XX/XX/XXXX Monthly payment {$34.00} Credit limit {$450.00} Highest balance {$820.00} Terms Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open.

ExperianXXXX XXXX Account info XXXX XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance {$660.00} Balance updated XX/XX/XXXX Recent payment {$100.00} as of XX/XX/XXXX Monthly payment {$34.00} Credit limit {$450.00} Highest balance {$820.00} Terms Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open.

ExperianXXXX XXXX Account info XXXX XXXX Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$3500.00} Highest balance {$4200.00} Terms - On record until XX/XX/XXXX Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open.

ExperianXXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$10.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment {$4.00} as of XX/XX/XXXX Monthly payment - Credit limit {$9500.00} Highest balance {$10000.00} Terms - On record until XX/XX/XXXX Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open. 

Account info Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$830.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$600.00} Highest balance {$840.00} Terms - On record until XX/XX/XXXX Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open.

ExperianXXXX XXXX Account info Account name XXXX ) XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$800.00} Highest balance {$1200.00} Terms - On record until XX/XX/XXXX Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open.

ExperianXXXX XXXX Account info Account name XXXX ) XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$940.00} written off. {$940.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$940.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2400.00} Highest balance - Terms 12 Months On record until XX/XX/XXXX Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open ExperianXXXX XXXXXXXX Account info Account name XXXX ) XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$550.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit - Highest balance {$2700.00} Terms - On record until XX/XX/XXXX Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open ExperianXXXX XXXXXXXX Account info Account name XXXX ) XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$590.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$590.00} Terms Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open ExperianXXXX XXXXXXXX Account info Account name XXXX ) XXXX  XXXX Account number XXXX  Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$610.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1500.00} Highest balance - Terms 12 Months On record until XX/XX/XXXX Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open. 

XXXX XXXX ExperianXXXX XXXXXXXX Account info Account name XXXX ) XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$590.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$590.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$590.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open. 


XXXX XXXX ExperianXXXX XXXXXXXX Account info Account XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$440.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$440.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$370.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open. 

XXXX XXXX ExperianXXXX XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open. 

XXXX XXXX ExperianXXXX XXXXXXXX Account info Account name XXXX ) XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$740.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$740.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$740.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open. 

XXXX XXXX ExperianXXXX XXXXXXXX Account info Account XXXX XXXX ) XXXX XXXX XXXXXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$540.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$540.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account has too many discrepancies and in no way be reported correctly which is causing an adverse effect for employment opportunities and new credit open.

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 non-monetary relief