Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
I am writing to file a complaint formally regarding the credit bureau 's failure to properly update my credit report after I submitted a dispute along with supporting documentation. Despite providing all necessary evidence to substantiate my claims and address the discrepancies, the negative information remains on my report without correction. 

This lack of action is frustrating and appears to be in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus investigate disputes and accurately update or remove incorrect information. 

XXXX This charged-off account has been sent to XXXX XXXX for servicing and is currently in a settlement agreement for {$910.00}. The agreement consists of twelve payments of {$75.00}, bringing the account balance to XXXX. Additionally, this account is reporting inaccurate information that needs to be corrected. 

XXXX XXXX XXXX This account is enrolled in a debt settlement program with XXXX XXXX, totaling {$2600.00}. I am currently making payments, with eight installments of {$310.00} remaining. However, this account reports inaccurate information, and I request corrections be made. 

XXXX XXXX This account has been closed since XXXX and is enrolled in a debt management program called XXXX XXXX XXXX XXXX. This program will facilitate payments until the balance is resolved to XXXX. The reported balance is also incorrect because some previous payments have been made. 

XXXX XXXX  This account has been closed since XXXX ; however, it is inaccurately reported as an open account with a derogatory status, stating that it was just locked in XX/XX/XXXX. I have enrolled this account in a debt management plan involving monthly payments of {$200.00}. Due to this inaccurate reporting, the account status must be updated to reflect the correct information. 

XXXX XXXX This account is enrolled and settled for {$460.00} through a debt settlement company called XXXX XXXX. I will make payments once an agreement has been reached to finalize the account until it reaches a XXXX balance. This account is reporting inaccurate information, and I request that it be corrected. 

Avant This creditor has been contacted, and an agreement has been made when {$150.00} is received by XX/XX/XXXX. It was also stated that {$50.00} after that will be accepted every month until the balance is paid in full. I am asking that derogatory information be corrected and not reported inaccurately. 

XXXX XXXX This creditor has been contacted, and a settlement agreement for {$990.00} has been made. We have agreed to {$50.00} monthly payments until the account is satisfied. I am requesting that derogatory information be corrected and not reported inaccurately. 

XXXXXXXX XXXX XXXX  This creditor has been contacted, and a settlement agreement for {$400.00} has been made. We have agreed to monthly payments of {$66.00} until the account is satisfied. I request that any derogatory information be corrected and not reported inaccurately. 

XXXX XXXX This account is currently enrolled in a debt settlement plan. It was paid off for a total of {$480.00} on XX/XX/XXXX. The agreed-upon six payments of {$80.00} have been completed. I am requesting that the derogatory information being reported be corrected and updated to reflect a positive status. 


XXXX XXXX  XXXX This account is currently enrolled in a debt settlement plan, which has been agreed upon for {$280.00}. Payments will be made to fulfill this agreement. I kindly request that the derogatory information being reported be corrected, the account stop being reported as past due, and that all information be updated accordingly. 

XXXX I am requesting the removal of this account because a collection agency named XXXX is servicing it. I have contacted this company via phone and email, but they refuse to provide me with any details about the account. I have informed them that, as a consumer, I have the right to verify the debt 's validity. Therefore, the collector must stop attempting to collect this debt. I also tried to reach XXXX, but they informed me that I must speak with the collection agency instead. I am requesting that this debt be removed so that this derogatory information can be deleted. 


XXXXXXXX XXXX  XXXX I am requesting the removal of this account from my credit report. It incorrectly states that this is a charged-off account, and my attempts to settle this debt have not been successful. I called the creditor, but the representative I spoke with could not locate my account, preventing me from paying it in full. I am requesting that this debt be deleted to improve my credit rating. 


XXXX  I contacted the creditor to request the account 's closure and settle the outstanding balance. I inquired about options to consolidate the debt and eliminate the daily accruing interest but was informed they could not accommodate these requests. I also asked for hardship assistance due to financial constraints but was denied.

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