Consumer complaint received 2024-12-04 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: MN

Complaint narrative:
Dear Experian Consumer Assistance, I am writing to dispute certain inaccurate information that appears on my credit report, which I obtained from Experian. After reviewing my credit report, I have identified the following discrepancies that require correction or further clarification : XXXX XXXX XXXX Account The balance reported as {$290.00} does not provide adequate details about payments or adjustments that may have been made prior to the charge-off status.

The report fails to include the High Credit information, which creates inconsistencies in the credit utilization reported.

One report includes charged off comments, but the dispute status is not reflected clearly. 
XXXX. XXXX XXXX Account The balance of {$2800.00} is marked as in collection, but no clear details are provided regarding attempts to settle or dispute the amount.

The delinquency reporting is inconsistent across different records, making it unclear how these events impacted my account history. 
XXXX. XXXX XXXX Account High credit utilization of {$6400.00} is reported, yet repayment timelines and charge-off events are unclear and incomplete.

The estimated removal dates for derogatory marks differ between similar accounts, leading to confusion. 
XXXX. XXXX XXXX ( XXXX ) Account Payment history reflects skipped months without clarification on how payments were applied or if errors occurred.

The charge-off designation is not consistently supported by the accounts payment record during the delinquency period. 
XXXX. XXXX XXXX XXXX XXXX ( Automobile Loan ) The loan terms do not align with reported balances, suggesting a discrepancy in how the accounts progression is documented.

The reported closure date is inconsistent and may not reflect the accounts actual status. 
XXXX. XXXX XXXX XXXX Account A collection for {$320.00} originating from XXXX  XXXX XXXX is reported, yet no verification of the debt or evidence of communication regarding this account is provided. 
XXXX. General Discrepancies Across Reports Multiple accounts reflect the remark consumer disputes account, but the resolution status is not consistently documented.

Payment and activity designators are frequently missing, leaving an incomplete historical record of account activity.

I KINDLY REQUEST THAT YOU CONDUCT A THOROUGH INVESTIGATION INTO THE DISPUTED INFORMATION AND UPDATE MY CREDIT REPORT ACCORDINGLY. IT IS CRUCIAL THAT THE ACCURACY AND INTEGRITY OF MY CREDIT HISTORY ARE MAINTAINED TO ENSURE FAIR ACCESS TO CREDIT OPPORTUNITIES AND FINANCIAL BENEFITS.

PLEASE PROVIDE ME WITH A WRITTEN RESPONSE WITHIN THE TIMEFRAME STIPULATED BY THE FCRA, TYPICALLY 30 DAYS, REGARDING THE OUTCOME OF YOUR INVESTIGATION. ADDITIONALLY, I REQUEST THAT YOU INFORM ALL RELEVANT PARTIES INVOLVED IN THE REPORTING OF THE DISPUTED INFORMATION ABOUT THE CORRECTIONS MADE TO MY CREDIT REPORT.

I APPRECIATE YOUR ATTENTION TO THIS MATTER AND YOUR PROMPT RESOLUTION OF THE DISPUTED INFORMATION. PLEASE ACKNOWLEDGE RECEIPT OF THIS NOTICE OF DISPUTE WITHIN 15 DAYS TO THE ADDRESS PROVIDED ABOVE.

THANK YOU FOR YOUR COOPERATION AND ADHERENCE TO THE LEGAL OBLIGATIONS OUTLINED IN THE FCRA. I TRUST THAT YOU WILL HANDLE THIS MATTER WITH THE UTMOST PROFESSIONALISM AND EFFICIENCY. 
SINCERELY, 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