Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX ( XXXX ) XXXX Subject : Dispute of Inaccurate Charge-Off and Public Record Information Dear Sir/Madam , I am writing to formally dispute certain items on my credit report, which I have identified as inaccurate, incomplete, and/or outdated. The items in question are : 1. Charge-Off Account Account Name : XXXX XXXX Account Number : XXXX Reported Balance : [ {$21000.00} ] Date of Charge-Off : [ XX/XX/XXXX ] 2. Late Payment Account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reported Balance : [ {$1800.00} ] Date Reported : [ XX/XX/XXXX ] 3. Late Payment Account Account Name : XXXX  Account Number : XXXX Reported Balance : PAID Date Reported : [ XX/XX/XXXX ] 4. Late Payment Account Account Name : XXXX  Account Number : XXXX Reported Balance : {$1600.00} Date Reported : [ XX/XX/XXXX ] 5. Late Payment Account Account Name : XXXX XXXX Account Number : XXXX Reported Balance : PAID Date Reported : [ XX/XX/XXXX ] 6. Late Payment Account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : PAID Date Reported : [ XX/XX/XXXX ] 7. Late Payment Account Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$53000.00} Date Reported : [ XX/XX/XXXX ] 8. Late Payment Account Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$8100.00} Date Reported : [ XX/XX/XXXX ] 9. 
10. Public Record Record Type XXXX XXXX XXXX XXXX XXXX XXXX Date Reported : [ XX/XX/XXXX ] Court/Agency : [ XXXX XXXX XXXX XXXX XXXX XXXX Amount : [ N/A ] Status : [ Discharged ] Reason for Dispute : The charge-off listed is inaccurate because [ provide a clear explanation of why the charge-off is incorrect, e.g., the debt was settled, paid in full, or was never yours ]. 
The public record is incorrect because [ explain why the public record is erroneous, e.g., the judgment was vacated, dismissed, or the tax lien was paid off ]. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate, incomplete, or unverifiable information removed from my credit report. Under Section 609 ( a ) ( 1 ) of the FCRA, I am requesting that you investigate and verify the accuracy of the above information, and, if necessary, correct or remove these items from my credit report.

As part of the dispute process, I request the following : 1. Verification of the Charge-Off Account Please provide proof that the account was charged off and verify the balance as reported.

2. Verification of Public Record Please confirm the accuracy of the public record ( i.e., judgment, tax lien, etc. ) and provide documentation to show it is properly reflected or has been resolved. 
Under the FCRA, if the information can not be verified as accurate, you are required to remove the inaccurate data from my credit report within 30 days. Additionally, I am requesting that you send me a written response detailing the results of your investigation. 
I request that you provide written confirmation once these items have been corrected or removed, and update my credit report accordingly. Please notify me at your earliest convenience regarding the outcome of this dispute. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, 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