Consumer complaint received 2024-09-06 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: VA

Complaint narrative:
AFFIDAVIT OF TRUTH MAILED NOTARIZED AND ACCEPTED UPON DELIVERY STATE OF XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Experian Consumer Relations Experian, XXXX XXXX XXXX, XXXX, TX XXXX I, residing at, being duly sworn, declare under penalty of perjury as follows : 1. **Introduction** I am a consumer as defined by the Fair Credit Reporting Act ( FCRA ) and am competent to make this affidavit. The facts stated in this affidavit are within my personal knowledge and are true and correct.

2. **Identification of Disputed Information** This affidavit concerns the following specific information that appears on my credit report, which violates Section 1681b ( c ) of the FCRA : I. ) Also known as : II. ) Address III. ) Account Number, Original Creditor, Company Sold To, Account Type, Date Opened, Open/Closed, Status, Status Updated, Balance, Balance Updated, Original Balance, Paid Off, Monthly Payment, Terms, Last Payment Date, Past Due Amount, and Your Statement. 

Account Information : Account Type : Auto Loan Account Status : Open Balance Updated : XX/XX/XXXX Current Balance : {$24000.00} Account Number : XXXX Date Opened : XX/XX/XXXX Payment Past Due : {$650.00} as of XX/XX/XXXX Payment Due Date : XX/XX/XXXX Amount Due : {$22000.00} Interest Rate : 0 % Monthly Payment : {$590.00} Loan Term : 72 Months Last Payment Made : XX/XX/XXXX Amount Last Paid : $ XXXX Payment History ( Year XXXX ) : XXXX : On time XXXX : On time XXXX : 30 days late XXXX to XXXX : No data Payment History ( Year XXXX ) : XXXX to XXXX : No data XXXX : On time Contact Info : Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Phone number : ( XXXX ) XXXX Creditor : XXXX  XXXX Account Statement : Exceptional payment history Current Balance : {$2000.00} Account Status : Closed Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Closed/Never Late Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Original Balance : {$1000.00} High Balance : {$2000.00} Paid Off : Yes Monthly Payment : {$25.00} Last Payment Date : XX/XX/XXXX Past Due Amount : - Your Statement : - Creditor : XXXX  XXXX Account Statement : Exceptional payment history, Closed Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Paid, Closed/Never Late Status Updated : XX/XX/XXXX High Balance : {$140.00} Original Balance : Not specified Monthly Payment : Not specified Last Payment Date : XX/XX/XXXX Past Due Amount : Not applicable Your Statement : Not specified " Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher Creditor : XXXX XXXX  XXXX Account Statement : Exceptional payment history, Closed Account Number : XXXX Account Type : Secured Card Date Opened : XX/XX/XXXX Status : Paid, Closed/Never Late Status Updated : XX/XX/XXXX High Balance : {$3000.00} Original Balance : Not specified Monthly Payment : Not specified Terms : XXXX Last Payment Date : XX/XX/XXXX Past Due Amount : Not applicable Your Statement : Not specified Creditor : XXXX  Account Overview : Closed with a record of XXXX late payments Account Number : XXXX Account Type : Secured Loan Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Status : Paid and closed Loan Duration : XXXX  months High Balance : {$520.00} Last Payment Date : XX/XX/XXXX Account Holder Type : Individual IV.. ) Regular Inquiries : XXXX XXXX Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Business Type : Auto Financing Companies Location : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Record Duration : Inquiries to remain on record until XXXX to XX/XX/XXXX, respectively. 
XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Business Type : Auto Financing Companies Location : XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX Record Duration : Inquiry to remain on record until XX/XX/XXXX. 
BANK XXXX XXXX Inquiry Date : XX/XX/XXXX Business Type : Banking Location : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Record Duration : Inquiry to remain on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Business Type : Used Automobile Dealers Location : XXXX XXXX XXXX, XXXX  XXXX XXXX VA XXXX XXXX : ( XXXX ) XXXX Record Duration : Inquiry to remain on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Business Type : Auto Financing Companies Location : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Record Duration : Inquiries to remain on record until XX/XX/XXXX to XX/XX/XXXX, respectively. 
XXXX XXXX Inquiry Dates : Various dates from XX/XX/XXXX, to XX/XX/XXXX Business Type : XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX Phone : ( XXXX ) XXXX Record Duration : Inquiries to remain on record until XX/XX/XXXX to XX/XX/XXXX, depending on the inquiry date. 
XXXX XXXX XXXX Date : XX/XX/XXXX Business Type : Auto Financing Companies Location : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Record Duration : Inquiry to remain on record until XX/XX/XXXX. 
XXXX XXXX  Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Business Type : Auto Financing Companies Location : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Record Duration : Inquiries to remain on record until XXXX to XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Record Duration : Inquiry to remain on record until XX/XX/XXXX. 

XXXX XXXX XXXX Activity : Auto financing services inquiry Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX ) XXXX Dates of Inquiry : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Record Duration : Inquiries to remain on record until XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. 
XXXX XXXX XXXX XXXX XXXX  Auto financing services inquiry Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Dates of Inquiry : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Record Duration : Inquiries to remain on record until XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. 
XXXX XXXX XXXX Activity : Mortgage services inquiry Location : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX Record Duration : Inquiry to remain on record until XX/XX/XXXX. 
XXXX XXXX XXXX  Activity : Bank credit cards services inquiry Location : XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX Record Duration : Inquiry to remain on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX : Credit unions services inquiry Location : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX Record Duration : Inquiry to remain on record until XX/XX/XXXX. 
XXXX XXXX XXXX Activity : Used automobile dealers inquiry Location : XXXX XXXX Virginia XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX Record Duration : Inquiry to remain on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : Finance companies services inquiry Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Dates of Inquiry : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX Record Duration : Inquiries to remain on record until XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. 
XXXX XXXX Services Activity : Bank credit cards services inquiry Location : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX Date of Inquiry : XX/XX/XXXX Record Duration : Inquiry to remain on record until XX/XX/XXXX. 

3. **Basis for Removal Request** I believe that the aforementioned information was obtained or is being reported in a manner not authorized under the FCRA, specifically violating Section 1681b ( c ). The information is either outdated, incorrect, or was reported without permissible purpose and I request its immediate investigation and removal from my credit report.

4. **Previous Attempts to Resolve** Processing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ).

5. **Demand for Action** I, pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ), hereby demand the immediate removal of inaccurately reported information from my credit report, which lacks a permissible purpose for its reporting. I require each credit reporting agency to confirm in writing the removal of said information within 14 days to avoid penalties under the Fair Credit Reporting Act ( FCRA ). 
Executed on this day, Thursday, XX/XX/XXXX, at XXXX XXXX XXXX, XXXX, Virginia, XXXX. 


Signed and notarized

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