Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : Dispute of Inaccurate Information Account Number : XXXX Dear Experian, I am writing to formally dispute inaccurate and unverifiable information contained in my credit report regarding an account with XXXX XXXX XXXX The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$470.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} Balance Updated : XX/XX/XXXX Monthly Payment : {$41.00} Original Balance : {$300.00} Highest Balance : {$470.00} Payment History : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; 60 days past due as of XX/XX/XXXX ; 90 days past due as of XXXX XXXX ; Charge off as of XX/XX/XXXX This account contains several inaccuracies and inconsistencies that I believe to be incorrect. Specifically : Status : The account is listed as a charge-off with a written-off amount of {$470.00}. This information is inconsistent with my records and is not accurate. 
Comments : The account status indicates " Purchased by another lender '' and " First payment never received, '' which are conflicting and require clarification. 
I have never received any communication or information regarding the transfer or sale of this account to another lender. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive proper validation and notification of any debt that has been transferred or sold. This has not occurred, rendering the reported information inaccurate and unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the specific methods and sources used in the verification process. Therefore, I am requesting : The name, address, and contact number of the party who provided the information. 
The specific methods used to verify the accuracy of the information. 
Any documentation or evidence used to support the verification, including proof of communication regarding the transfer of the debt to the new lender. 
The reported information lacks proper documentation and fails to meet the standards set forth by the FCRA and FDCPA. If XXXX XXXX or any subsequent creditor can not provide verifiable and accurate information, this account must be removed from my credit report immediately. 

Please complete the investigation within the timeframe required by the FCRA and provide me with the results. If this account is not verified as accurate, I demand its immediate removal from my credit report. 

Failure to comply with these legal requirements may result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. 



[ Enclosures : Copy of Credit Report with highlighted inaccuracies, Proof of Identity ]

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