Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719. I presume that no Proof of the alleged debt, nor therefore any such debt, in fact thereof exist. 


Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Type : Charge-Off Balance : {$6500.00} Remarks : Charged off as bad debt Last Reported : XXXX XXXX. XXXX XXXX XXXX XXXX Type : Charge-Off Balance : {$4800.00} Late History : 30/60/90-day lates Last Reported : XXXX XXXX. XXXX XXXX XXXX XXXX  Type : Charge-Off Balance : {$450.00} Last Reported : XXXX XXXX. XXXXXXXX XXXX Type : Charge-Off Balance : {$6200.00} Remarks : Charged off Last Reported : XXXX XXXX. XXXX XXXX ( XXXX XXXX ) Type : Collection Balance : {$87.00} Status : Open Last Reported : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Type : XXXX XXXX : {$6500.00} Remarks : Charged off as bad debt XXXX Reported : XXXX XXXX. XXXX XXXX XXXX XXXX Type : Charge-Off Balance : {$4800.00} Late History : 30/60/90-day lates Last Reported : XXXX XXXX. XXXX XXXX XXXX XXXX  Type : Charge-Off Balance : {$450.00} Last Reported : XXXX XXXX. XXXX XXXX  Type : Charge-Off Balance : {$6200.00} Remarks : Charged off Last Reported : XXXX XXXX. XXXX XXXX ( XXXX XXXX ) Type : Collection Balance : {$87.00} Status : Open Last Reported : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXType : Charge-Off Balance : {$6500.00} Remarks : Charged off as bad debt Last Reported : XXXX XXXX. XXXX XXXX XXXX XXXX Type : Charge-Off Balance : {$4800.00} Late History : 30/60/90-day lates Last Reported : XXXX XXXX. XXXX XXXX XXXX XXXX  Type : Charge-Off Balance : {$450.00} Last Reported : XXXX XXXX. XXXX XXXX  Type : Charge-Off Balance : {$6200.00} Remarks : Charged off Last Reported : XXXX XXXX. XXXX XXXX ( XXXX XXXX ) Type : Collection Balance : {$87.00} Status : Open Last Reported : XXXX

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