Consumer complaint received 2024-12-29 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: AL

Complaint narrative:
Subject : Credit Report Dispute Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute several inaccuracies on my Experian credit report. I have reviewed my credit report as of [ Insert Date ], and I have identified the following errors that require immediate correction under the Fair Credit Reporting Act ( FCRA ). Below is a detailed explanation of the disputed accounts and the inaccuracies : XXXX. XXXX XXXXXXXX XXXX ( Account Ending in XXXX ) - Date Opened : XX/XX/XXXX Inaccuracy : The account shows a credit usage of 268 %, which is mathematically impossible given a {$300.00} credit limit. 
Requested Correction : Verify and update the balance and credit usage to reflect accurate and lawful reporting. 

XXXX. XXXX XXXX XXXX ( Account Ending in XXXX  ) - Date Opened : XX/XX/XXXX Inaccuracy : This account appears to duplicate the above account from XX/XX/XXXX. Both accounts indicate charge-offs, but there is no clarification as to whether they represent the same debt. 
Requested Correction : Investigate and delete any duplicate reporting. If they are separate obligations, please provide detailed documentation to verify the legitimacy of both accounts. 

XXXX XXXX ( Account Ending in XXXX XXXX - Date Opened : XX/XX/XXXX Inaccuracy : The account shows a credit usage of 127 %, which exceeds the reported {$700.00} credit limit. Additionally, the last payment date and balance update timelines are inconsistent. 
Requested Correction : Verify and correct the credit usage and balance. Provide clarification on the reporting discrepancies for the timeline of updates. 

XXXX. XXXXXXXX XXXX  ( Account Ending in XXXX ) - Date Opened : XX/XX/XXXX Inaccuracy : This account shows a credit usage of 201 % with a {$600.00} limit and an outstanding balance of {$1200.00}. Additionally, the comment mentions first payment never received, but the report lacks detail on whether this is accurate. 
Requested Correction : Verify and update the reported credit usage and outstanding balance. Clarify and provide evidence to support the comment listed under this account. 

XXXX. XXXX XXXX ( Account Ending in XXXX ) - Date Opened : XX/XX/XXXX Inaccuracy : The report states : Collection account. {$1800.00} past due as of XX/XX/XXXX, but there is no indication whether the debt is with the original creditor or a third-party collector. 
The timeline for updates is inconsistent, with Status Updated in XX/XX/XXXX and XXXX XXXX in XX/XX/XXXX, despite the account being opened less than a year before. 
The terms listed as 1 month do not align with the balance reported unless additional charges ( e.g., termination fees ) are properly documented. 
Requested Correction : Investigate the validity of this collection account, verify the timeline for updates, and ensure the balance reflects lawful reporting. Clarify whether the debt remains with XXXX or has been sold to a collection agency. 

6. General Reporting Errors Inaccurate Status Updates : Several accounts reflect conflicting last payment dates and status update dates ( e.g., balance updates for closed accounts ). 
Duplicate Reporting : The XXXX XXXXXXXX XXXX accounts appear redundant. 
Requested Correction : Ensure that all statuses, dates, and balances are accurately reflected.

I have attached a copy of my credit report with the disputed accounts highlighted for your reference, along with a copy of my government-issued ID and proof of address to verify my identity.

Please conduct a thorough investigation into these issues and provide me with the results of your findings. If you determine that the disputed information is inaccurate, I request that you promptly update my credit report to reflect the corrections and notify any creditors that received the incorrect information.

In accordance with the FCRA, I expect a response within 30 days. You may contact me via mail at the address above or by phone at XXXX XXXX XXXX XXXX if you require additional information. 

Thank you for your attention to this matter. I look forward to your timely resolution. 

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