Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) SSN : XXXX DOB : XXXX Phone Number : XXXX XXXX XXXX Experian Subject : Formal Dispute of Erroneous Account Reporting Dear Experian, I am writing to formally dispute the reporting of an account on my credit file with XXXX  . The account details are as follows : # # # Account Details- Account Name : XXXX XXXX - Account Number : XXXX - Account Type : Sales Contract - Responsibility : Individual - Date Opened : XX/XX/XXXX - Status : Account charged off. {$84.00} written off. 
- Status Updated : XXXX XXXX - Balance : {$0.00} - Balance Updated : XX/XX/XXXX - Terms : 6 Months # # # Disputed Errors The information reported regarding this account is inconsistent and lacks crucial details, which I believe violates the Fair Credit Reporting Act ( FCRA ) : 1. Contradictory Information : - The account reflects a status of " charged off '' with an amount of {$84.00} written off, yet it also shows a balance of {$0.00}. This contradiction raises questions about the accuracy of the reporting.

2. Missing Information : - The account does not provide any information regarding the original balance, highest balance, recent payment, or monthly payment. This lack of information is concerning and does not comply with the requirement for credit reporting agencies to maintain accurate and complete records.

3. Illegally Reported Written Off Amount : - It is unclear how the account can be reported as charged off for {$84.00} while simultaneously indicating an original balance of {$0.00}. This discrepancy suggests that the data has not been adequately verified, and it raises significant concerns about the validity of the account.

# # # Requested Resolution To resolve this matter, I request the following actions : 1. A full investigation into the reporting of this account to ensure its accuracy.

2. Correction or deletion of the account from my credit file if it can not be verified as accurate and compliant with FCRA standards.

3. Written confirmation of the actions taken regarding this dispute.

# # # Supporting Evidence I am prepared to provide any relevant documentation that may assist in this investigation. Please feel free to contact me at the phone number or email address listed above if additional information is needed.

# # # Closing Remarks I expect prompt action to investigate and resolve this matter as required under the FCRA. If this issue is not resolved in a timely manner, I may pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

Thank you for your attention to this matter. I look forward to your response within the 30-day timeframe outlined in the FCRA. 

Sincerely, 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