Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccuracies in Credit Report Account Numbers Listed Below, I am writing to dispute the information on my credit report associated with the following accounts. After a thorough review, I have identified several inaccuracies and incomplete details in the reported information. I am requesting an immediate investigation and correction of these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ). Additionally, I will be submitting a copy of this dispute letter to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's office. 

XXXX XXXX - Account # XXXX Inaccuracies : The reported balance is inconsistent across the credit bureaus ( XXXX XXXX Experian XXXX and XXXX XXXX. 
Conflicting information on the last verified date and date reported. 
Derogatory status is reported, but the account is marked as closed. 
Dispute status is reported differently by XXXX and XXXX. 
XXXX - Account # XXXX Inaccuracies : The reported balance is inconsistent among the credit bureaus. 
The last verified date and date reported differ. 
Conflicting information on the payment status Experian reports it as paid, while XXXX and XXXX indicate the account as closed but with no payment status. 
Discrepancies in the payment frequency and credit limit reporting. 
XXXX XXXX XXXX - Account # XXXX Inaccuracies : XXXX does not report any information for this account, while Experian and XXXX show conflicting details. 
The reported balance and last payment date differ among the credit bureaus. 
XXXX reports a charge on an account that is marked as closed. 
XXXX - Account # XXXX Inaccuracies : Discrepancies in the reported balance and date reported among the credit bureaus. 
Closed status reported by XXXX, but the account is marked as late 60 days by Experian. 
Conflicting information on the payment frequency and term length. 
XXXX - Account # XXXX Inaccuracies : The reported balance is inconsistent among the credit bureaus. 
Closed status reported by XXXX, but the account is marked as late 60 days by Experian. 
XXXX reports the account as disputed, but the dispute status is not reported by the other bureaus. 
XXXX XXXX XXXX - Account # XXXX Inaccuracies : XXXX does not report any information for this account, while Experian and XXXX show conflicting details. 
Conflicting information on the date reported and last payment date among the credit bureaus. 
XXXX reports a charge on an account that is marked as closed. 
XXXX XXXX - Account # XXXX Inaccuracies : Discrepancies in the reported balance, last payment date, and date reported among the credit bureaus. 
Closed status reported by Experian, but the account is marked as late 30 days by XXXX. 
XXXX does not report any information for this account. 
XXXX - Account # XXXX Inaccuracies : The reported balance is inconsistent among the credit bureaus. 
Closed status reported by XXXX, but the account is marked as late 60 days by Experian. 
XXXX reports the account as disputed, but the dispute status is not reported by the other bureaus. 
XXXX - Account # XXXX Inaccuracies : Discrepancies in the reported balance, last payment date, and date reported among the credit bureaus. 
Closed status reported by XXXX, but the account is marked as late 120 days by XXXX. 
Conflicting information on the creditor type and account status. 
XXXX - Account # XXXX Inaccuracies : The reported balance is inconsistent among the credit bureaus. 
Conflicting information on the date verified and date reported. 
Open status reported by XXXX, but the account is marked as late 120 days by XXXX. 
Discrepancies in the reported payment amount and term length. 
XXXX - Account # XXXX Inaccuracies : Discrepancies in the reported balance, last payment date, and date reported among the credit bureaus. 
Closed status reported by XXXX, but the account is marked as late 30 days by Experian. 
XXXX reports the account as disputed, but the dispute status is not reported by the other bureaus. 
XXXX - Account # XXXX Inaccuracies : Conflicting information on the reported balance, date reported, and last payment date. 
Closed status reported by XXXX, but the account is marked as late 120 days by XXXX. 
XXXX reports the account as disputed, but the dispute status is not reported by the other bureaus. 
XXXX XXXX - Account # XXXX Inaccuracies : Conflicting information on the original creditor 's name among the credit bureaus. 
Closed status reported by XXXX, but the account is marked as late 60 days by Experian. 
XXXX reports the account as disputed, but the dispute status is not reported by the other bureaus. 
I request a thorough and comprehensive investigation into these inaccuracies and prompt correction of the reported information. I anticipate a response within the timeline specified by the FCRA. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX 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