Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I have several accounts that are inaccurate and incomplete. Maximum possible accuracy is 100 %, so they can only report items that are 100 % accurate or they must delete it. XXXX Experian Experian 7 Year History XXXX  : XXXX XXXX : XXXX XXXX : XXXX Account # : XXXX Account Description : Individual Account Rating : Derogatory Account Status : Closed Account Type : Credit Card Balance Owed : {$1400.00} Closed Date : -- Credit Limit : {$1000.00} Creditor Remarks : Account has been closed due to inactivity.Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : Bank Credit Cards Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$0.00} Last Payment : Last Verified : -- Past Due Amount : {$890.00} Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Collection/Chargeoff Term Length : -- Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. XXXX Experian Experian 7 Year History XXXX : XXXX XXXX : XXXX XXXX : XXXX Account # : XXXX Account Description : Individual Account Rating : Derogatory Account Status : Closed Account Type : Credit Card Balance Owed : {$1300.00} Closed Date : -- Credit Limit : {$1000.00} Creditor Remarks : Account has been closed due to inactivity.Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : Bank Credit Cards Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$0.00} Last Payment : Last Verified : -- Past Due Amount : {$910.00} Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Collection/Chargeoff Term Length : -- Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. XXXX XXXX Experian Experian 7 Year History XXXX : XXXX XXXX : XXXX XXXX : XXXX Account # : XXXX Account Description : Individual Account Rating : Derogatory Account Status : Closed Account Type : Credit Card Balance Owed : {$26000.00} Closed Date : -- Credit Limit : {$23000.00} Creditor Remarks : Account has been closed due to inactivity.Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : Bank Credit Cards Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$0.00} Last Payment : XX/XX/XXXX Last Verified : -- Past Due Amount : {$26000.00} Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Collection/Chargeoff Term Length : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Page 2 of 10 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. XXXX Experian Experian 7 Year History XXXX : XXXX XXXX : XXXX XXXX : XXXX Account # : XXXX Account Description : Individual Account Rating : Derogatory Account Status : Closed Account Type : Charge account Balance Owed : {$0.00} Closed Date : -- Credit Limit : {$11000.00} Creditor Remarks : Purchased by a another lender.Unpaid balance reported as a loss by credit grantor. 
Creditor Type : Furniture and Home/Office Funishings Stores Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$0.00} Last Payment : XX/XX/XXXX Last Verified : -- Past Due Amount : {$0.00} Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Collection/Chargeoff Term Length : -- Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. XXXX Experian Experian 7 Year History XXXX : XXXX XXXX : XXXX XXXX : XXXX Account # : XXXX Account Description : Individual Account Rating : Open Account Status : Open Account Type : Charge account Balance Owed : {$63.00} Closed Date : -- Credit Limit : {$200.00} Creditor Remarks : -- Creditor Type : Miscellaneous Department and Variety Stores Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$1400.00} Last Payment : XX/XX/XXXX Last Verified : -- Past Due Amount : {$0.00} Payment Amount : {$29.00} Payment Frequency : -- Payment Status : Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SSN XXXX XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Page 3 of 10 Term Length : -- Under 15 USC 1666B and 15 USC 1681b this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. XXXX XXXX Experian Experian 7 Year History XXXX : XXXX XXXX : XXXX XXXX : XXXX Account # : XXXX Account Description : Individual Account Rating : Derogatory Account Status : Closed Account Type : Credit Card Balance Owed : {$3900.00} Closed Date : -- Credit Limit : {$3200.00} Creditor Remarks : Account has been closed due to inactivity.Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : Bank Credit Cards Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$0.00} Last Payment : XX/XX/XXXX Last Verified : -- Past Due Amount : {$3900.00} Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Collection/Chargeoff Term Length : -- Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. XXXX Experian Experian 7 Year History XXXX : XXXX XXXX : XXXX XXXX : XXXX Account # : XXXX Account Description : Individual Account Rating : Derogatory Account Status : Closed Account Type : Credit Card Balance Owed : {$4900.00} Closed Date : -- Credit Limit : {$4000.00} Creditor Remarks : Customer disputed account - reported by subscriber.Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : Bank Credit Cards Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$0.00} Last Payment : XX/XX/XXXX Last Verified : -- Past Due Amount : {$4900.00} Payment Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Page 4 of 10 Payment Frequency : -- Payment Status : Collection/Chargeoff Term Length : -- Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. XXXX  XXXX Experian Experian 7 Year History XXXX : XXXX XXXX : XXXX XXXX : XXXX Account # : XXXX Account Description : Individual Account Rating : Derogatory Account Status : Closed Account Type : Unsecured loan Balance Owed : {$270.00} Closed Date : -- Credit Limit : -- Creditor Remarks : First payment never received.Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : Personal Loan Companies Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$230.00} Last Payment : Last Verified : -- Past Due Amount : {$270.00} Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Collection/Chargeoff Term Length : 12 Month ( s ) Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. XXXX  XXXX Experian Experian 7 Year History XXXX : XXXX XXXX : XXXX XXXX : XXXX Account # : XXXX Account Description : Individual Account Rating : Derogatory Account Status : Closed Account Type : Unsecured loan Balance Owed : {$2800.00} Closed Date : -- Credit Limit : -- Creditor Remarks : First payment never received.Unpaid balance reported as a loss by the credit grantor. 
Creditor Type : Personal Loan Companies Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$2600.00} Last Payment : Last Verified : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Page 5 of 10 Past Due Amount : {$2800.00} Payment Amount : {$0.00} Payment Frequency : -- Payment Status : Collection/Chargeoff Term Length : 6 Month ( s ) Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. XXXX Experian Experian 7 Year History XXXX : XXXX XXXX : XXXX XXXX : XXXX Account # : XXXX **** Account Description : Individual Account Rating : Open Account Status : Open Account Type : Educational Balance Owed : {$1200.00} Closed Date : -- Credit Limit : -- Creditor Remarks : -- Creditor Type : Student Loans Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$1100.00} Last Payment : XX/XX/XXXX Last Verified : -- Past Due Amount : {$52.00} Payment Amount : {$13.00} Payment Frequency : -- Payment Status : Late 90 Days Term Length : 114 Month ( s ) Under 15 USC 1666B and 15 USC 1681b this is a billing error always paid as agreed on time this is an error this account in violation. XXXX reported late payments. 
XXXX Experian Experian 7 Year History XXXX : XXXX XXXX : XXXX XXXX : XXXX Account # : XXXX **** Account Description : Individual Account Rating : Open Account Status : Open Account Type : Educational Balance Owed : {$3600.00} Closed Date : -- Credit Limit : -- Creditor Remarks : -- Creditor Type : Student Loans Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$3400.00} Last Payment : XX/XX/XXXX Last Verified : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Page XXXX of XXXX Past Due Amount : {$150.00} Payment Amount : {$39.00} Payment Frequency : -- Payment Status : Late 90 Days Term Length : 114 Month ( s ) Under 15 USC 1666B and 15 USC 1681b this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments. 
XXXX  XXXX Experian Experian Account # : XXXX Account Description : Individual Account Rating : Derogatory Account Status : Closed Account Type : -- Balance Owed : {$5400.00} Closed Date : -- Creditor Remarks : Subscriber reports dispute resolved - consumer disagrees. 
Creditor Type : Other Collection Agencies Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$5400.00} Last Payment : -- Last Verified : -- Past Due Amount : {$0.00} Payment Status : Collection/Chargeoff I do not recognize this account and request full validation under FDCPA Section 809 ( b ). You must provide legal proof of my liability, including the original agreement and detailed payment records. If you can not validate this account, its continued reporting violates the FDCPA, and I demand its removal from my credit report. 
XXXX XXXX XXXX Experian Experian 7 Year History XXXX : XXXX XXXX : XXXX XXXX : XXXX Account # : XXXX Account Description : Individual Account Rating : Derogatory Account Status : Closed Account Type : Unknown - credit extension, review, or collection Balance Owed : {$21000.00} Closed Date : -- Credit Limit : -- Creditor Remarks : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Creditor Type : Bulk Purchase Finance Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Dispute Status : Account not disputed High Balance : {$21000.00} Last Payment : Last Verified : -- Past Due Amount : {$21000.00} Payment Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Page 7 of 10 Payment Frequency : -- Payment Status : Collection/Chargeoff Term Length : 1 Month ( s ) I do not recognize this account and request full validation under FDCPA Section 809 ( b ). You must provide legal proof of my liability, including the original agreement and detailed payment records. If you can not validate this account, its continued reporting violates the FDCPA, and I demand its removal from my credit report. 
Inquiries XXXX XXXX  XXXX XX/XX/XXXX Experian I noticed credit inquiries that I did not authorize on my credit report! I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act, and a serious breach of my privacy rights. I would like you to investigate this and provide me with copies of any documentation associated with these accounts bearing my signature. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act. 
You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S.

Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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