Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Subject : Request for Removal of Unverifiable and Incomplete Account Information Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX  XXXX from my credit report. The account details are provided below : Account Information : Account Number : XXXX High Balance : {$480.00} ( XXXX ), {$0.00} ( Experian ), {$430.00} ( XXXX XXXX Last Verified : XX/XX/XXXX ( XXXX ), Not Reported ( Experian ), Not Reported ( XXXX XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian & XXXX XXXX Balance Owed : {$0.00} ( All Bureaus ) Closed Date : XX/XX/XXXX ( XXXX ), Not Reported ( Experian & XXXX XXXX Account Rating : Paid ( XXXX ), Paid ( Experian ), Derogatory ( XXXX XXXX Account Description : XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX, All Banks ( XXXX XXXX Dispute Status : Account not disputed ( All Bureaus ) Creditor Type : XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX, All Banks ( XXXX XXXX Account Status : Closed ( All Bureaus ) Payment Status : Collection/Chargeoff XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) Creditor Remarks : Payment after charge off/collection, Dispute resolved ; reported by XXXX ( XXXX ) ; Account legally XXXX in full for less than the full balance, Account was in dispute - now resolved - reported by subscriber ( Experian ) ; Settlement accepted on this account, Paid charge off ( XXXX ) Payment Amount : {$0.00} ( All Bureaus ) Last Payment : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Term Length : Not Reported ( All Bureaus ) Past Due Amount : {$0.00} ( All Bureaus ) Account Type : Credit Card ( XXXX & Experian XXXX XXXX Not Reported ( XXXX ) Payment Frequency : Not Reported ( All Bureaus ) Credit Limit : {$300.00} ( XXXX & Experian ), Not Reported ( XXXX ) This account has been previously investigated, and it has been determined that the information provided is unverifiable and incomplete. Despite this, the account remains on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 
The discrepancies and inconsistencies among the credit reporting agencies, as outlined above, demonstrate the account information is not accurate, complete, or verifiable. Specifically : The high balance reported varies among the bureaus. 
The dates of last activity and dates reported do not match. 
The account status, payment status, and creditor remarks are inconsistent. 
The payment history and days late history do not align across the bureaus. 
Given these significant inaccuracies and the unverifiable nature of the account information, I demand the immediate removal of this account from my credit report by EXPERIAN Please confirm in writing that this account has been removed from my credit report within 30 days of receipt of this letter. Failure to do so will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action to enforce my rights under the FCRA. 
Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX : XX/XX/XXXX SSN : 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