Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Credit Information Under FCRA 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) Dear Experian Dispute Department, I am writing to dispute the accuracy of the following accounts that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ), all information reported on my credit file must be 100 % accurate across all three credit reporting agencies. If any information is inaccurate or unverifiable, these accounts must be updated or removed from my report. 

Here are the accounts in question : XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
Issue : The balance and past due amount are inaccurate, and this account should be removed or corrected. 
XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Account charged off. {$200.00} written off. 
Issue : Although this account is charged off with a {$0.00} balance, it is still listed as potentially negative, which is misleading. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Status : Open. {$90.00} past due as of XX/XX/XXXX. 
Issue : The past due amount and open status are inaccurate, and I request its immediate correction or removal. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : XXXX. 
Issue : This account has no balance but remains listed as potentially negative. This needs to be corrected. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Status : Open. 
Issue : The balance and status of this account are inaccurate, and I request an investigation into this information. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Status : Account charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX. 
Issue : The charge-off status is inaccurate, and the past due amount needs to be corrected or removed. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24.00} Status : Account charged off. {$24.00} written off. {$24.00} past due as of XX/XX/XXXX. 
Issue : This account is inaccurately reported with a charge-off and should be corrected. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Status : Account charged off. {$20000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
Issue : The past due amount and balance are inaccurately reported, and this account should be corrected or removed. 
XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} Status : Account charged off. {$23000.00} written off. {$9200.00} past due as of XX/XX/XXXX. 
Issue : This account is inaccurately listed with an incorrect balance and past due amount. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Status : Open. {$150.00} past due as of XX/XX/XXXX. 
Issue : The past due amount and balance are inaccurately listed, and I request an investigation. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : - Status : Paid, Closed. 
Issue : This account is marked as closed and paid but is still listed as potentially negative, which needs to be removed. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Status : Collection account. {$600.00} past due as of XX/XX/XXXX. 
Issue : This collection account contains inaccuracies regarding the balance and past due amounts. 
As required by law, Experian must verify the accuracy of the information being reported. If any of these accounts can not be verified as 100 % accurate, they must be removed from my credit report, per 15 U.S.C. 1681i ( a ) ( 5 ).

Furthermore, if my request is not resolved within the legally mandated 30-45 days, I will be moving forward with legal action and seek {$1000.00} in damages for each inaccurate account under the FCRA. This includes compensation for harm caused by these inaccuracies. 

Please investigate this matter, correct any discrepancies, and provide me with an updated copy of my credit report upon completion. Thank you for your prompt attention to this matter.

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