Consumer complaint received 2024-10-18 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN : XXXX XXXX : XX/XX/year> To whom it may concern : Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am reaching out to you because I'm concerned about the accuracy and honesty of your company 's data. According to FCRA section 611, it's essential that our records are accurate and up-to-date, which includes both customers and potential lenders or employers. After doing some research into XXXX XXXX compliance standards, I've found that there may be some inaccuracies in your reporting if these issues are not promptly resolved. Would love any feedback possible before taking any legal action against you.My credit report is a representation of my financial standing, and I take pride in keeping it up-to-date. With that said, you have the responsibility to keep my credit profile and report accurate and authentic. Therefore, I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate and never had any verification or compliance with reporting laws. So now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact on my quality of life. The data on my credit report is of high importance, but it's currently not a representation of who I am financially because it's inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records. 
XXXX XXXX  Experian Experian Account # : XXXX Account Rating : Description : Individual CollectionOrChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$3100.00} Credit Limit : Closed Date : -- XXXX UNPAID BALANCE Creditor Remarks : REPORTED AS A LOSS BY CREDIT GRANTOR Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : -- Last Payment : -- Last Verified : XXXX Due Amount : -- Amount : -- Payment Payment Payment Frequency : -- Status : CollectionOrChargeOff Term Length : -- Loan Type : CreditCard The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. 
XXXX XXXX XXXX XXXX Experian Experian Account # : XXXX Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Balance Owed : Account Type : Revolving {$1400.00} Closed Date : -- Credit Limit : XXXX Page 1 of 5 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN : XXXX DOB : XXXX XXXX XXXX Creditor Remarks : Experian XXXX XXXX XXXX XXXX, XXXX  XXXX UNPAID BALANCE REPORTED AS A LOSS BY CREDIT GRANTOR Creditor Type : Finance Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : -- Last Payment : -- Last Verified : XXXX Due Amount : -- Amount : -- Payment Payment Payment Frequency : -- Status : CollectionOrChargeOff Term Length : -- Loan Type : CreditCard The above mentioned content has never been certified to meet any reporting standards. The data presented has never been verified or proven to be accurate, complete, or up to date. In order to confirm compliance with any reporting obligations or consumer legislation, proper documentation would be required. The information supplied is insufficient, and I demand that any unsupported or incorrect material be deleted. 
XXXX XXXX Experian Experian Account # : XXXX Description : Individual Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$1400.00} Closed Date : -- Credit Limit : XXXX UNPAID BALANCE Creditor Remarks : REPORTED AS A LOSS BY CREDIT XXXX Creditor Type : Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : -- Last Payment : -- Past Due Amount : Last Verified : XXXX -- Amount : -- Payment Payment Payment Status : Frequency : -- CollectionOrChargeOff Term Length : -- Loan Type : CreditCard The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! 
XXXX XXXX XXXX  Experian Experian Account # : XXXX Description : Individual Page 2 of 5 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/year> Account Rating : CollectionOrChargeOff Account Status : Closed Account Type : Revolving Balance Owed : {$880.00} Closed Date : -- Credit Limit : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Creditor UNPAID BALANCE REPORTED AS A LOSS BY Creditor Type : Remarks : CREDIT GRANTOR Banking Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : N High Balance : -- Last Payment : -- Last Verified : XXXX Due Amount : -- Amount : -- Payment Payment Payment Frequency : -- Term Length : Status : CollectionOrChargeOff -- Loan Type : CreditCard The content mentioned above has never been certified to meet reporting standards. The data provided has never been proven to be accurate, complete, or up to date. In order to comply with any consumer legislation, documentation confirming compliance is required. The information supplied is insufficient and I demand that any wrong, incomplete, or unsupported material be deleted. 
XXXX XXXX XXXX Experian Experian Account Description : Account # : XXXX Account Rating : CollectionOrChargeOff Account Status : Closed Balance Owed : Account Type : Installment {$100.00} Closed Date : -- Credit Limit : -- ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S Creditor Remarks : INTERNAL COLLECTION DEPARTMENT Creditor Type : CollectionServices Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$100.00} Last Payment : -- Past Due Amount : Last Verified : XXXX -- Amount : -- Payment Payment Payment Frequency : -- Status : CollectionOrChargeOff Term Length : 1 Loan Type : CollectionAttorney The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or Page 3 of 5 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XXXX XXXX XXXX unsupported material be deleted. Faithfully Experian XXXX XXXX XXXX XXXX, XXXX XXXX I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, you and the data furnishers must certify all aspects of the required FCRA and Metro 2 compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXXXXXX XXXX  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. 
XX/XX/XXXX ; XXXX ; XXXX XXXX ; 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