Consumer complaint received 2024-05-17 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: GA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Name of Alleged Creditor : XXXX XXXXXXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 168XXXX ) The date of last activity, the date open, the creditor type, last payment date, term length are being reported incorrectly and inaccurately. 

Name of Alleged Creditor : XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 1681I ) The last verified date, the date of last activity, the date reported, the date opened, the creditor type, last payment date, payment status, term length, and creditor remarks are being reported incorrectly and inaccurately. 

Name of Alleged Creditor : DPT EDXXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 1681I ) The account number, the high balance, the last verified date, the date of last activity, the date reported, the date opened, the closed date, the account rating, the creditor type, last payment date, payment status, and creditor remarks are being reported incorrectly and inaccurately. 

Name of Alleged Creditor : XXXX XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 1681I ) This account was a Bankruptcy/Charge-off and the balance should be {$0.00}. The high balance, the last verified date, the date of last activity, the date reported, the date opened, the balance owed, the closed date, the last payment date, creditor remarks and past due amount are being reported incorrectly and inaccurately. 


Name of Alleged Creditor : XXXX XXXX XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 1681I ) The high balance, the last verified date is inaccurate, the date of last activity, the date reported, the date opened, the closed date, the account rating, the last payment date, and creditor remarks are being reported incorrectly and inaccurately. 

Name of Alleged Creditor : DPT EDXXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 1681I ) This is a duplicate account. The account number, the last verified date, the date of last activity, the date reported, the date opened, the closed date, the account rating, the creditor type, the last payment date, term length, and creditor remarks are being reported incorrectly and inaccurately. 

Name of Alleged Creditor XXXX XXXX XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 1681I ) The last verified date, the date of last activity, the date reported, the date opened, the closed date, the account rating, the creditor type, the account status, the payment status, the last payment date, term length, the account type, and creditor remarks are being reported incorrectly and inaccurately. 

Name of Alleged Creditor : XXXXXXXX XXXX  Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 1681I ) The last verified date, the date of last activity, the date reported, the closed date, the account rating, the creditor type, the account status, the payment status, the last payment date, term length, the account type, and creditor remarks are being reported incorrectly and inaccurately. 

Name of Alleged Creditor : XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 
Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 1681I ) The last verified date, the date of last activity, the date reported, the creditor type, the last payment date, term length, the account type, and creditor remarks are being reported incorrectly and inaccurately. 

Name of Alleged Creditor : XXXX XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 1681I ) This is a duplicate account. The last verified date, the date of last activity, the date reported, the date opened, the closed date, the account status, the original creditor information, and creditor remarks are being reported incorrectly and inaccurately. 

Name of Alleged Creditor : XXXX XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 
Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 1681I ) The last verified date, the date of last activity, the date reported, the date opened, the account status, the original creditor information, and creditor remarks are being reported incorrectly and inaccurately. 

Name of Alleged Creditor : XXXXXXXX XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 1681I ) The last verified date, the date of last activity, the date reported, the closed date, the account rating, the creditor type, the account status, the payment status, the last payment date, term length, the account type, and creditor remarks are being reported incorrectly and inaccurately. 

Name of Alleged Creditor : XXXX XXXX Alleged Account Number : XXXX Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence.

Dispute Reason : INACCURATE. PLEASE REMOVE INACCURATE INFORMATION FROM THE REPORT STATED BY FCRA 611 ( 15 U.S.C. 1681I ) This account is paid but shows derogatory. This is a duplicate account. The last verified date, the date of last activity, the date reported, the date opened, the closed date, the account rating, and the original creditor information are being reported incorrectly and inaccurately.

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