Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
o : Experian XXXX Department po box XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681 ( e ) ( B ) XX/XX/XXXX Dear Experian, I am writing to formally dispute inaccurate information reported on my credit report for under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( e ) ( B ). This statute requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy in the preparation of credit reports. The following accounts contain inaccurate or outdated information that I request be investigated and corrected or removed from my credit report : SELF / XXXXXXXX XXXX XXXX ( Account # XXXX ) This secured loan account is listed as paid and closed as of XX/XX/XXXX. While this account status is generally accurate, I request that Experian review this account under 15 U.S.C. 1681 ( e ) ( B ) to ensure maximum possible accuracy, particularly regarding the original balance and loan terms. 
XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX  XXXX XXXX XXXX ( Account # XXXX ) This deposit account, listed as joint with XXXX XXXX XXXX, reflects a charge-off status with a {$150.00} balance written off as of XX/XX/XXXX. The reporting of this account violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( e ) ( B ), as the balance and charge-off status are inaccurate. Please investigate and correct any discrepancies. 
XXXX XXXX XXXXXXXX XXXX ( Account # XXXX ) Another entry for this account shows a balance of {$150.00} charged off as of XX/XX/XXXX. This duplicate and inaccurate reporting violates 15 U.S.C. 1681 ( e ) ( B ). Please correct or remove this inaccurate account. 
XXXX XXXX ( Account # XXXX ) This account reflects a collection status with a balance of {$1400.00} past due as of XX/XX/XXXX. This information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( e ) ( B ), as it does not accurately reflect the accounts current status. Please verify and correct this information. 
XXXX XXXX ( Account # XXXX ) Another entry for this account shows a charge-off status with {$1000.00} written off and {$990.00} past due as of XX/XX/XXXX. This inaccurate reporting violates 15 U.S.C. 1681 ( e ) ( B ), and I request that this account be investigated and updated accordingly. 


This account reflects a paid and closed status as of XX/XX/XXXX. Please review this account under 15 U.S.C. 1681 ( e ) ( B ) of the Fair Credit Reporting Act to ensure there are no discrepancies related to the original balance and payment terms. 
REGION/AMS ( Account # XXXX ) XXXX XXXX XXXXXXXX CARD XXXX Account # XXXX ) This account reflects a charge-off status with a {$580.00} balance and {$220.00} past due as of XX/XX/XXXX. This information is inaccurate due to violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( e ) ( B ), which requires accuracy in reporting. Please verify this information and correct any inaccuracies. 
XXXXXXXX XXXX XXXXXXXX CARD ( Account # XXXX ) This account reflects a charge-off status with a {$440.00} balance written off. I dispute this entry based on violations of 15 U.S.C. 1681 ( e ) ( B ) of the FCRA, as the information is not accurate. Please update or remove this inaccurate account. 
XXXX XXXX ( Account # XXXX ) This account shows as paid and closed, but I am disputing the accuracy based on the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( e ) ( B ). Please verify the accuracy and update this account accordingly. 
XXXX XXXX XXXX XXXX ( Account # XXXX ) This account reflects a charge-off status with {$5500.00} written off and past due. The reported information is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( e ) ( B ). Please review and correct this account. 
XXXX XXXX ( Account # XXXX ) This account is reported as charged off with a {$160.00} balance. This reporting violates 15 U.S.C. 1681 ( e ) ( B ) of the FCRA, as the information is not accurate. Please investigate this account for accuracy. 
XXXX XXXX ( Account # XXXX ) This account shows as paid and closed, but based on violations of 15 U.S.C. 1681 ( e ) ( B ), there are inaccuracies. Kindly review and update if necessary. 
XXXX XXXX ( Account # XXXX ) This account is reported as charged off with a {$370.00} balance. The information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( e ) ( B ), as it is inaccurate. Please investigate this account and make the necessary corrections. 

This secured loan is reported as paid and closed, with the status updated as of XX/XX/XXXX. Since this account may contain outdated or inaccurate information, I request an investigation under 15 U.S.C. 1681 ( e ) ( B ) to ensure that all reporting details are correct.

I respectfully request that you conduct a thorough investigation under 15 U.S.C. 1681i and provide me with an updated credit report reflecting any corrections. Please notify me in writing of the outcome of your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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