Consumer complaint received 2024-11-22 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: HI

Complaint narrative:
Aloha, To whom it may concern : 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 shalli ) 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've attached a PDF document below. 







XXXX XXXX XXXX : Incorrect Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX, XXXX ( XXXX mos ) Balance : {$6100.00} Account status : Open Type : No Info Responsibility : Individual Account. 
Remarks : Consumer disputes this account information. Collection account Original Creditor Name : No Info Closed : No Info Account Details : XXXX XXXX XXXXXXXX XXXX Number XXXX Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance : {$9200.00} Account status : Closed Type : Credit Card Responsibility : Individual Account. 
Remarks : XXXX XXXX XXXX XX/XX/XXXX days late : XX/XX/XXXX Closed : XXXX. XXXX, XXXX Account Details : XXXX XXXX XXXX XXXX Account number : XXXX Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance : {$5200.00} Account status : Closed Type : Credit Card Responsibility : Individual Account. 
Remarks : Charged off account XXXX XX/XX/XXXX days late : XXXX Closed : XXXX. XXXX, XXXX Last payment : XXXX XXXX, XXXX Current Payment Status : Charge-off Amount past due : {$0.00} Worst Payment Status : Charge-off Account Details : Capital XXXX Account Number : XXXX Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance : {$1500.00} Account status : Closed Type : Credit Card Responsibility : Individual Account. 
Remarks : Charged off account Account closed by XXXX XXXX XXXX XX/XX/XXXX days late : XX/XX/XXXX Closed : No Info Last payment : XXXX XXXX, XXXX Current Payment Status : Charge-off Amount past due : {$1500.00} Worst Payment Status : Charge-off Account Details : XXXX Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance : {$0.00} Account status : Paid and Closed Type : Charge Account Responsibility : Individual Account. 
Remarks : Account closed by XXXX XXXX XXXX XX/XX/XXXX days late XXXX XXXX : XX/XX/XXXX Last payment : XXXX. XXXX, XXXX Current Payment Status : Current Amount past due : {$0.00} Worst Payment Status : Current Account Details : First Progress/Synovus Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status : Paid and Closed Type : Credit Card Responsibility : Individual Account. 
Remarks : Account closed at XXXX XXXX XXXX XX/XX/XXXX days late : XXXX Closed : XXXX. XXXX, XXXX Account Details : XXXX XXXX Account number XXXX Opened : XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance : {$0.00} Term : 36 months Account status : Transferred Type : Unsecured Responsibility : Individual Account. 
Original Creditor : Galaxy international Remarks : Charged off account Times XX/XX/XXXX days late : XXXX Closed : XXXX XXXX, XXXX Account Details : Uplift Account number : XXXX Opened : XXXX XXXX, XXXX ( XXXX yrs ) Term : 11 months Balance : {$0.00} Account status : Paid and Closed Type : Unsecured Responsibility : Individual Account. 
Remarks : Fixed rate Times XX/XX/XXXX days late : XXXX Closed : XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX Current Payment Status : Current Worst Payment Status : Current Account Details : Extra Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance : {$0.00} Account status : Paid and Closed Type : Line of Credit Responsibility : Individual Account. 
Remarks : Account closed due to inactivity Times XX/XX/XXXX days late : XXXX Closed : XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX Current Payment Status : Current Worst Payment Status : Current ****TransUnion**** Collections : Account Info : Mainland Credit Management Balance : {$6100.00} Opened : XXXX XXXX, XXXX ( XXXX mos ) Account status : Open Type : Derogatory Responsibility : Individual Remarks : Account information disputed by consumer, meets FCRA requirements Original Creditor Name : XXXX XXXX XXXX A Closed XXXX No Info Account Details : Upgrade XXXX Opened : XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term : 36 month Balance : {$0.00} Account status : Derogatory Type : Unsecured loan Responsibility : Individual Remarks : Charged off as bad debt. Purchased by another lender XXXX XX/XX/XXXX days late : XXXX Closed : XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX Current Payment Status : In Collections/Charge-off Worst Payment Status : No Info Account Details : First Progress Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance : {$0.00} Account status : Closed Type : Credit Card Responsibility : Individual Remarks : Account closed by consumer Times XX/XX/XXXX days late : XXXX Closed : XXXX. XXXX, XXXX Last payment : No Info Current Payment Status : Current Amount past due : {$0.00} Worst Payment Status : Current Account Details : XXXX Bank XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance : {$0.00} Account status : Paid Type : Charge account Responsibility : Individual Remarks : Canceled by credit XXXX XXXX XX/XX/XXXX XXXX late : XXXX Closed : XX/XX/XXXX Last payment : XXXX. XXXX, XXXX Current Payment Status : Current Amount past due : {$0.00} Worst Payment Status : Current Account Details : Capital XXXX Account Number : XXXX Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance : {$1500.00} Account status : Derogatory Type : Credit Card Responsibility : Individual Remarks : Charged off as bad debt. Dispute resolved ; reported by XXXX XXXX XX/XX/XXXX days late : XXXX Closed : XXXX XXXX, XXXX Last payment : XXXX XXXX, XXXX Current Payment Status : In Collections/Charge-off Amount past due : {$1500.00} Worst Payment Status : No Info Account Details : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance : {$5200.00} Account status : Derogatory Type : Credit Card Responsibility : Individual Remarks : Charged off as bad debt. Profit and loss write-off XXXX XX/XX/XXXX days late : XXXX Closed : XXXX. XXXX, XXXX Last payment : XXXX XXXX, XXXX Current Payment Status : In Collections/Charge-off Amount past due : {$0.00} Worst Payment Status : No Info Account Details : Bank of XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance : {$9200.00} Account status : Derogatory Type : Credit Card Responsibility : Individual Remarks : Charged off as bad debt. Canceled by XXXX XXXX XXXX XX/XX/XXXX days late : XXXX Closed : XXXX. XXXX, XXXX Last payment : XXXX XXXX, XXXX Current Payment Status : In Collections/Charge-off Amount past due : {$9200.00} Worst Payment Status : No Info

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