Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I am writing to dispute late payments and inaccurate information on my credit report. Upon reviewing my credit file, I noted discrepancies related to the following account ( s ) : Creditor Name : XXXX XXXX ( Paid off/closed ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XX/XX/XXXX Inaccuracies in account status, balance, date opened. 

Creditor Name : XXXX ( Closed, paid off ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XX/XX/XXXX Inaccuracies in account status, payment status, date opened, date last active. 

Creditor Name : XXXX ( Closed ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. 
Inaccuracies in Date last active, last payment date. 

Creditor Name : XXXX XXXX XXXX ( closed ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XXXX Inaccuracies in last payment, last active. 
Account sold to another lender in which I did not agree and have no contract with. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XXXX Inaccuracies- balance Creditor Name : XXXX XXXX ( closed/paid off ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XXXX Inaccuracies- date open, last reported, last active. 

Creditor Name : XXXX ( closed ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payment Date ( s ) : XXXX Inaccuracies- last payment, last active, date opened. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  This account is a collection/charge off. 
Inaccuracies- Date opened Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This account is a collection/charge off. 
Inaccuracies- account status, balance, last reported. 

In accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Consumer Credit Protection Act, I am formally requesting an immediate investigation into these matters. If the information can not be verified, I respectfully request that it be corrected or deleted from my credit file. 

Specifically, under Section 611 of the FCRA, I have the right to dispute information I believe is inaccurate, and the credit reporting agency must investigate the dispute within 30 days of receipt. Furthermore, any unverifiable or inaccurate information must be promptly deleted, as outlined in the FCRA. 

Please provide a written response detailing the results of your investigation and an updated copy of my credit report once your review is complete. 

Thank you for your immediate attention to this important matter. Please contact me at your earliest convenience should you need any further information.

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