Consumer complaint received 2025-01-09 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: NC

Complaint narrative:
I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I noticed discrepancies in the reporting of several accounts, particularly with balances exceeding original credit limits, and I request a reinvestigation. Below are the details : Accounts in Dispute XXXX. XXXX XXXX ( Account # 1 ) Date Opened : XX/XX/XXXX Balance : {$5900.00} Original Credit Limit : {$5000.00} Status : Account charged off. {$5900.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The reported balance exceeds the original credit limit by {$920.00}. This discrepancy raises concerns about the accuracy of the charges. I request verification and a detailed breakdown of how the balance was calculated, including any fees, penalties, or interest applied after the account defaulted. 

XXXX. XXXX XXXX ( Account # 2 ) Date Opened : XX/XX/XXXX Balance : {$1300.00} Original Credit Limit : {$1000.00} Status : Account charged off. {$1300.00} past due as of XX/XX/XXXX. 
Reason for Dispute : This account shows a balance exceeding the original credit limit by {$330.00}. I request verification and clarification of how these charges were incurred and calculated. 

XXXX. XXXX XXXXXXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$21000.00} Original Credit Limit : {$20000.00} Status : Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The balance exceeds the original credit limit by {$1900.00}. I request a detailed explanation of how this amount was calculated, including a breakdown of all fees, penalties, and interest applied. 

XXXX. XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$16000.00} Original Credit Limit : {$16000.00} Status : Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Reason for Dispute : The balance exceeds the original credit limit by {$360.00}. I request documentation supporting this amount, including any fees or charges applied. 

Summary of Dispute The balances and statuses reported for these accounts do not align with the original credit limits, creating potential inaccuracies. If the discrepancies are due to added fees, penalties, or interest, I request validation and documentation of these charges. 

Under the FCRA, credit reporting agencies and creditors are required to report accurate and verifiable information. If the balances or account statuses can not be verified, I request their immediate correction or removal. 

Requested Actions XXXX. Conduct a full reinvestigation of the accounts listed above. 
XXXX. Provide written validation and documentation supporting the reported balances and statuses. 
XXXX. Correct or remove any unverifiable or inaccurate information from my credit report.

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