Consumer complaint received 2024-12-30 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 am filing a formal complaint regarding XXXX  XXXX XXXX, which is reporting inaccurate information on my credit reports. The reported balance owed is higher than the actual amount, payments made are not accurately reflected, and there are significant inconsistencies in the account information. Despite my efforts to dispute these discrepancies, XXXX  XXXX XXXX has failed to verify the debt and provide accurate updates. This is a clear violation of my rights under federal law, including the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Inaccurate Balance Owed : The balance reported on my credit report is higher than the actual amount I owe. There is a clear discrepancy between the reported balance and the actual amount that I have documented. 
Incorrect Payments Made : The payments I have made towards this account are either not reflected or are inaccurately reported. This misrepresentation has caused unnecessary damage to my credit. 
Failure to Verify Debt : I have disputed this debt with XXXX  XXXX XXXX, providing documentation to show the errors. However, they have failed to investigate and correct the inaccuracies on my credit report. 
Violations : Failure to Investigate and Correct : XXXX  XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to verify and correct the inaccurate information on my credit report after I disputed the account. 
Inaccurate Reporting : The inaccurate balance, incorrect payment history, and inconsistencies in the reported information violate the Fair Debt Collection Practices Act ( FDCPA ) by providing false or misleading information to the credit bureaus. 
Damage to Credit : Due to the inaccuracies in this account reporting, my credit score has been negatively impacted, despite my efforts to resolve the issue. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following : The inaccuracies in the reporting of my XXXX  XXXX XXXX account {$13000.00}, including the incorrect balance owed and payment history. 
The failure of XXXX  XXXX XXXX to verify and correct the debt after I disputed it with the credit reporting agencies. 
The violation of federal laws related to credit reporting and debt collection practices. 
Appropriate action to ensure this account is corrected or removed from my credit report if the discrepancies can not be validated. 
I have supporting documentation available, including credit reports showing the discrepancies, proof of payments, and correspondence related to my disputes. Please let me know if you require any further information. 

I appreciate your prompt attention to this matter and look forward to a resolution

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 non-monetary relief