Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
I am asking you to review your data on file for me and ensure that it is accurate and up-to-date. I am challenging any inaccuracies in my report, under the Fair Credit Reporting Act ( FCRA ) section 611 and XXXX XXXX compliance standards. I also require that all inquiries within my credit profile have a permissible purpose and be accurately sourced, in order to stay on top of any potential issues. 
XXXX : I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards these matters - it's very important we know what kind documentaries can show us so we don't get caught flat-footed when things go south later down the road due an issue which may have been preventable had there only ever been one shred left behind by those who knew better but chose not care enough about accuracy oveR convenience alone ( you ). 
SBNASELFLNDR : I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now. 
I am reaching out to dispute the incorrect reporting of the account XXXX XXXX XXXX with number XXXX on my credit report. Currently, this account is listed as Collection/Chargeoff, with an opening date recorded as XX/XX/XXXX, a date of last activity aS XX/XX/XXXX, and it was last verified on XX/XX/XXXX. These inaccuracies are affecting my ability to secure financing, such as mortgage approvals and better loan terms. 
I reviewed my credit report and found that the account XXXXXXXX  with number XXXX is inaccurately showing as Collection/Chargeoff. According to your records, this account was opened on XX/XX/XXXX, had a date of last activity of XX/XX/XXXX, and was last verified on XX/XX/XXXX. These details are not correct, and I insist on the immediate deletion of this account. 
PORTFOLIO : This is a major deficiency! I demand that this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to these matters. It's very important that we are aware of what kind of documentation we should be looking for so that we don't get caught flat-footed when things go south later down the road and an issue which may have been preventable occurs due to a lack of accurate information. 
I am disputing the inaccurate reporting of the account FST PREMIER with number XXXX on my credit report. This account is currently recorded as Collection/Chargeoff, with an opening date of XX/XX/XXXX, a last activity date of XX/XX/XXXX, and it was last verified on XX/XX/XXXX. These inaccuracies have severely hindered my ability to qualify for financing and secure favorable terms. 
I noticed that this account XXXX XXXX XXXX with the number XXXX is showing the wrong rating of Collection/Chargeoff on my credit report, and I want it fixed now! You said this account was opened on XX/XX/XXXX and had a date of last activity of XX/XX/XXXX. That just cant be right. Please take this account off my report! 
The account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with number XXXX is wrong on my credit report, showing a rating of Collection/Chargeoff. It has incorrect dates ( XX/XX/XXXX and XX/XX/XXXX ). This is blocking my financing. 
I noticed that the account XXXX ( Original Creditor : XXXX XXXX XXXX  ) with the number XXXX is incorrectly showing a rating of Collection/Chargeoff on my credit report. You listed it as opened on XX/XX/XXXX and the last activity as XX/XX/XXXX, but this is wrong. Could you please remove it? 
XXXX XXXX XXXX : This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards these matters.

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