Consumer complaint received 2025-08-29 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: NV

Complaint narrative:
b'To whom it may concern:\nMy rights as a consumer are being violated because the information in this credit report is not accurate. The credit report should be verified, complete, and true in order to meet the FCRA and Metro 2 data field formatting standards. If these standards are not followed, it jeopardizes the integrity of the data. I am requesting that you investigate and correct this as soon as possible so it does not affect me financially in the future.\nBelow is a summary of the data in which I am challenging:\nSummary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPersonal Information for Experian\nNAME: XXXX XXXX XXXXHello, Im requesting that you update your system with my correct name, which is XXXX XXXX. If you have any records of my name that differ from what I have provided, please delete them immediately. Thank you. Enclosed are copies of my drivers license and Social Security card for verification.\nCURRENT ADDRESS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXThe only address I reside at is: XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. Enclosed is a copy of my utility bill for verification.\XXXX XXXX XXXX XXXX XXXXExperian Experian\nXXXX Year Payment History\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount #: XXXX XXXX Account Description: Joint Account\nAccount Status: XXXX  Open Account Type: XXXX XXXX XXXXBalance Owed: XXXX XXXX Credit Limit: XXXXCreditor Remarks: XXXXCreditor Type:\nMortgage\nDate Opened: XXXX XXXXDate Reported:XXXXDate of Last Activity: XXXX XXXX High BalanceXXXX XXXX XXXXLast Payment: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX  SSN: XXXX  DOB: XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXXPast Due Amount: XXXX XXXXPayment Amount: XXXX XXXX  Payment Status: XXXX Past due XXXX  days\nTerm Length: XXXX Unknown\nI am disputing the accuracy of the information for this account because it appears incomplete or outdated based on my records. Specifically, the Date Opened XXXX), Date of Last Activity (XXXX), and Payment History XXXX do not match my documentation. Please investigate and provide the results of your reinvestigation, including any updates or deletions as required under FCRA  XXXX.\nAlso, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX Ive highlighted and circled additional areas of concern.\XXXX XXXX XXXX XXXXExperian Experian\nXXXX Year Payment HistoryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnAccount #: XXXX XXXX Account Description: Individual\nAccount Status: XXXX Open Account Type: XXXX  INSTALLMENT\nBalance Owed: XXXX XXXX  Credit Limit: XXXXCreditor Remarks: XXXXCreditor Type:\nAuto Loan\nDate Opened: XXXX XXXXDate Reported:XXXXDate of Last Activity: XXXX XXXX High Balance: XXXX XXXXLast Payment: XXXX XXXX  Past Due Amount: XXXX XXXXPayment Amount: XXXX XXXX  Payment Status: XXXX  Past due XXXX  days\nTerm Length: XXXX XXXX  Months\nI am disputing the accuracy of the information for this account because it appears incomplete or outdated based on my records. Specifically, the Date Opened (XXXX), Date of Last Activity (XXXX), and Payment History (XXXX) do not match my documentation. Please investigate and provide the results of your reinvestigation, including any updates or deletions as required under FCRA  XXXXi.\nAlso, see the image above for XXXX XXXX XXXX XXXX XXXX). Ive highlighted and circled additional areas of concern.XXXX XXXX XXXXExperian Experian\XXXX Year Payment History\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount #: XXXX XXXX Account Description: Individual\nAccount Status: XXXX Open Account Type: XXXX  REVOLVING\nBalance Owed: XXXX XXXX  Credit Limit: XXXX XXXXCreditor Remarks: XXXXCreditor Type:\nCharge Card\nDate Opened: XXXX XXXXDate Reported:\XXXXDate of Last Activity: XXXX XXXX High Balance: XXXX XXXXLast Payment: XXXX XXXX  Past Due Amount: XXXXPayment Amount: XXXX XXXX Payment Status: XXXX Current, was past due XXXX days XXXX times or more\nTerm Length: XXXX Revolving\nI am disputing the accuracy of the information for this account because it appears incomplete or outdated based on my records. Specifically, the Date Opened XXXX Date of Last Activity (XXXX), and Payment History XXXX) do not match my documentation. Please investigate and provide the results of your reinvestigation, including any updates or deletions as required under FCRA  XXXXAlso, see the image above for XXXX XXXX XXXX XXXX Ive highlighted and circled additional areas of concern.XXXX XXXX XXXX XXXXExperian Experian XXXX Year Payment History\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount #: XXXX XXXX  Account Description: Individual\nAccount Status: XXXX  Closed Account Type: XXXX REVOLVING\nBalance Owed: XXXX1 XXXX Credit Limit: XXXX XXXXCreditor Remarks: XXXXCreditor Type:\nCredit Card\nDate Opened: XXXX XXXXDate Reported:XXXXDate of Last Activity: XXXX XXXX High Balance: XXXXLast Payment: XXXX XXXX Past Due Amount: XXXX XXXXPayment Amount: XXXXPayment Status: XXXX Charge-off\nTerm LengthXXXX XXXX  Revolving\nI am disputing the accuracy of the information for this account because it appears incomplete or outdated based on my records. Specifically, the Date Opened XXXX), Date of Last Activity (XXXX), and Payment History (XXXX) do not match my documentation. Please investigate and provide the results of your reinvestigation, including any updates or deletions as required under FCRA  XXXXnAlso, see the image above for XXXX XXXX XXXX XXXX XXXX). Ive highlighted and circled additional areas of concern.\XXXX XXXX XXXXExperian Experian\XXXX Year Payment HistoryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount #: XXXX XXXXAccount Description: Individual\nAccount Status: XXXX Closed Account Type: XXXX REVOLVING\nBalance Owed: XXXX\nCredit Limit: XXXX XXXXCreditor Remarks: XXXXCreditor Type:\nCredit Card\nDate Opened: XXXX XXXXDate Reported:XXXXDate of Last Activity: XXXX XXXX High Balance: XXXX XXXXLast Payment: XXXX XXXX Past Due Amount: XXXXPayment Amount: XXXXnPayment Status: XXXX Legally paid in full for less than the full balance\nTerm Length: XXXX Revolving\nI am disputing the accuracy of the information for this account because it appears incomplete or outdated based on my records. Specifically, the Date Opened (XXXX), Date of Last Activity (XXXX), and Payment History (XXXX) do not match my documentation. Please investigate and provide the results of your reinvestigation, including any updates or deletions as required under FCRA  XXXX.\nAlso, see the image above for XXXX XXXX XXXX XXXX). Ive highlighted and circled additional areas of concern.\XXXX XXXX XXXX XXXXExperian Experian XXXX  Year Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount #: XXXX XXXX Account Description: Individual\nAccount Status: XXXX Closed Account Type: XXXX REVOLVING\nBalance Owed: XXXXCredit Limit: XXXX XXXXCreditor Remarks: XXXX Account closed at consumers request Creditor Type:\nCredit Card\nDate Opened: XXXX XXXXDate ReportedXXXXDate of Last Activity: XXXX XXXX0 High Balance: XXXX XXXXLast Payment: XXXX XXXX Past Due Amount: XXXXPayment Amount: XXXXnPayment Status: XXXX Paid, was past due XXXX days\nTerm Length: XXXX Revolving\nI am disputing the accuracy of the information for this account because it appears incomplete or outdated based on my records. Specifically, the Date Opened XXXX), Date of Last Activity (XXXX), and Payment History (XXXX) do not match my documentation. Please investigate and provide the results of your reinvestigation, including any updates or deletions as required under FCRA  XXXXnAlso, see the image above for XXXX XXXX XXXX XXXX XXXX Ive highlighted and circled additional areas of concern.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SSN: XXXX DOB: XXXX XXXX XXXXExperian XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXExperian ExperianXXXX Year Payment HistoryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnAccount #: XXXX XXXX Account Description: Individual\nAccount Status: XXXX Closed Account Type: XXXX  REVOLVING\nBalance Owed: XXXXCredit Limit: XXXX XXXXCreditor Remarks: XXXXCreditor Type:\nCharge Card\nDate Opened: XXXX XXXXDate Reported:XXXXDate of Last Activity: XXXX XXXX  High Balance: XXXX XXXXLast Payment: XXXX XXXX Past Due Amount: XXXXnPayment Amount: XXXXPayment Status: XXXX Paid, was past due XXXX0 days\nTerm Length: XXXX Revolving\nI am disputing the accuracy of the information for this account because it appears incomplete or outdated based on my records. Specifically, the Date Opened (XXXX), Date of Last Activity (XXXX, and Payment History (XXXX) do not match my documentation. Please investigate and provide the results of your reinvestigation, including any updates or deletions as required under FCRA  XXXXnAlso, see the image above for XXXX XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern.\XXXX XXXX XXXX XXXXExperian Experian XXXX Year Payment History\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount #: XXXX XXXX  Account Description: Individual\nAccount Status: XXXX Closed Account Type: XXXX REVOLVING\nBalance Owed: XXXX XXXX Credit Limit: XXXX XXXXCreditor Remarks: XXXXCreditor Type:\nCharge Card\nDate Opened: XXXX XXXXDate Reported:\XXXXDate of Last Activity: XXXX XXXX  High Balance: XXXXLast Payment: XXXX XXXX  Past Due Amount: XXXX XXXX\nPayment Amount: XXXXPayment Status: XXXX Charge-off\nTerm Length: XXXX Revolving\nI am disputing the accuracy of the information for this account because it appears incomplete or outdated based on my records. Specifically, the Date Opened (XXXX), Date of Last Activity (XXXX), and Payment History XXXX) do not match my documentation. Please investigate and provide the results of your reinvestigation, including any updates or deletions as required under FCRA  XXXXAlso, see the image above for XXXX XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern.\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX  SSN: XXXX DOB: XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX TX XXXXPage XXXX of XXXX XXXX XXXXExperian Experian XXXX  Year Payment History\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount #: XXXX XXXX  Account Description: Individual\nAccount Status: XXXX  Closed Account Type: XXXX REVOLVING\nBalance Owed: XXXX XXXX Credit Limit: XXXX XXXXnCreditor Remarks: XXXXCreditor Type:\nCredit Card\nDate Opened: XXXX XXXXDate Reported:\XXXXDate of Last Activity: XXXX XXXX High Balance: XXXXLast Payment: XXXX XXXX  Past Due Amount: XXXX XXXXPayment Amount: XXXXPayment Status: XXXX Charge-off\nTerm Length: XXXX Revolving\nI am disputing the accuracy of the information for this account because it appears incomplete or outdated based on my records. Specifically, the Date Opened (XXXX), Date of Last Activity XXXX), and Payment History XXXX) do not match my documentation. Please investigate and provide the results of your reinvestigation, including any updates or deletions as required under FCRA XXXX.\nAlso, see the image above for XXXX XXXX XXXX XXXX. Ive highlighted and circled additional areas of concern.XXXX XXXX XXXX XXXX XXXXExperian Experian\XXXX Year Payment History\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount #: XXXX XXXX Account Description: Individual\nAccount Status: XXXX  Closed Account Type: XXXX  REVOLVING\nBalance Owed: XXXXCredit LimitXXXX XXXX XXXXCreditor Remarks: XXXXCreditor Type:\nCredit Card\nDate Opened: XXXX XXXXDate Reported:XXXXDate of Last Activity: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX  SSN: XXXX DOB: XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX, TX XXXXnHigh Balance: XXXX XXXXLast Payment: XXXX XXXX Past Due Amount: XXXXPayment Amount: XXXXnPayment Status: XXXX Paid, was past due XXXX days\nTerm LengthXXXX XXXX Revolving\nI am disputing the accuracy of the information for this account because it appears incomplete or outdated based on my records. Specifically, the Date Opened XXXX, Date of Last Activity (XXXX), and Payment History XXXX) do not match my documentation. Please investigate and provide the results of your reinvestigation, including any updates or deletions as required under FCRA  XXXXAlso, see the image above for XXXX XXXX XXXX XXXX XXXX XXXX Ive highlighted and circled additional areas of concern.\XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXXExperian Experian XXXX Year Payment History XXXX XXXX XXXX XXXXAccount #XXXX XXXX XXXX  Account Description: Individual\nAccount Status: XXXX  Open Account Type: XXXX  INSTALLMENT\nBalance Owed: XXXX XXXX Credit Limit: XXXXCreditor Remarks: XXXXCreditor Type:\nDebt Buyer\nDate Opened: XXXX XXXXDate Reported:XXXXDate of Last Activity: XXXX XXXX High Balance: XXXX XXXXnLast Payment: XXXXPast Due Amount: XXXX XXXXPayment Amount: XXXXPayment Status: XXXX Seriously past due date / assigned to attorney, collection agency, or credit grantors internal collection department\nTerm Length: XXXX XXXX  Month\nI am disputing the accuracy of the information for this account because it appears incomplete or outdated based on my records. Specifically, the Date Opened (XXXX), Date of Last Activity (XXXX), and Payment History (XXXX) do not match my documentation. Please investigate and provide the results of your reinvestigation, including any updates or deletions as required under FCRA  XXXX\nAlso, see the image above for XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX). Ive highlighted and circled additional areas of concern.\nSincerely,\nThe document I have sent you includes my concerns about the accuracy and truthfulness of your reporting. The law requires that you follow certain procedures to ensure this, but according to whats required by both FCRA as well as Metro 2it needs to be certified compliant.XXXX XXXXPlease send your written response to my address of XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXXXXXXnEnclosures: Copies of drivers license, utility bill, and Social Security card.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SSNXXXX XXXX DOB: XXXX XXXX XXXXExperian XXXX XXXX XXXX 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