Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information reporting on my credit file related to the above-referenced account with XXXX XXXX XXXX 

Account Details Being Disputed Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance ( as of XX/XX/XXXX ) : {$30000.00} Original Balance : {$15000.00} Charge-Off Date : XX/XX/XXXXXXXX  Last Payment Date : XX/XX/XXXXXXXX  Current Status : Charged Off Past Due Amount : {$8800.00} Dispute Summary The information being reported appears to be inaccurate and inconsistent with the original loan details and payment history. The reported balance does not align with the original obligation, and the account status, charge-off reporting, and ongoing past due entries do not reflect an accurate or current depiction of the account history. I am requesting a full reinvestigation and an update or correction to ensure the account information is accurate and complete. 

Requested Action Please investigate this matter and correct, update, or remove any inaccurate or unverifiable information associated with this account. I am requesting that your investigation confirm the following : The accuracy of the reported balance The current and past payment status history The accuracy of the charge-off reporting and timeline Please provide the results of your investigation in writing within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 


I am submitting this letter to formally dispute information on my credit report related to the account listed below. The current reporting contains inconsistencies that require reinvestigation and correction. 

Account Information in Dispute Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Original Balance : {$9500.00} Reported Balance ( as of XX/XX/XXXXXXXX  ) : {$21000.00} Current Status : Charged Off Status Date : XX/XX/XXXXXXXX  Past Due Amount : {$7400.00} Last Payment Date : XX/XX/XXXXXXXX  Summary of Dispute The reported balance and charge-off information do not align with the original terms or payment history of this account. The reported figures appear inflated compared to the original balance and payment records. Additionally, the continued reporting of past-due amounts after charge-off, as well as the timeline of status updates, should be reviewed for accuracy and consistency. 

Requested Action Please reinvestigate this account and ensure the following : That the current balance is verified and accurately reflects the account history That the payment status and charge-off timeline are correctly reported That any duplicative or inconsistent entries are corrected or removed I respectfully request confirmation of the completed investigation and any resulting updates to my credit file within the timeframe required. 

Thank you for your time and assistance.

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