Consumer complaint received 2024-04-29 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information on my Experian credit report, which has persisted despite previous disputes. This erroneous information is adversely affecting my creditworthiness and financial standing. I request its immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), specifically citing sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). 


EMPLOYER - XXXX EMPLOYER - XXXX XXXX XXXX XXXX  - XXXX - Please investigate these late payments and promptly remove them if unable to verify their accuracy. If the late payments can not be verified, please delete the entire closed account from my credit report. 

XXXX - XXXX - There's an error in reporting these late payments as the account was closed before the reported dates. Please investigate and remove these late payments from my credit report. If unable to verify their accuracy, please delete the entire closed account. 

XXXX - XXXX - I dispute the accuracy of the charge-off account on my credit report. Please validate the account details and payment history. If unable to validate, please remove the account from my credit report. 

XXXX - XXXX - After reviewing my credit report, I found inaccuracies in the reporting of the charge-off account. Please verify the accuracy of the account details. If unable to verify, please delete the account from my credit report. 

XXXX XXXX - XXXX - The charge-off account on my credit report is inaccurately reported as open despite being closed with a XXXX balance. This discrepancy misrepresents my credit standing and violates fair credit reporting. I request that you deleting this account from my credit report. 

XXXX - XXXX - The charge-off account on my credit report is inaccurately reported as open despite being closed with a XXXX balance. This discrepancy misrepresents my credit standing and violates fair credit reporting. I request that you deleting this account from my credit report. 

XXXX - XXXX - The charge-off account on my credit report is inaccurately reported as open despite being closed with a XXXX balance. This discrepancy misrepresents my credit standing and violates fair credit reporting. I request that you deleting this account from my credit report. 

XXXX - XXXX - The charge-off account on my credit report is inaccurately reported as open despite being closed with a XXXX balance. This discrepancy misrepresents my credit standing and violates fair credit reporting. I request that you deleting this account from my credit report. 

XXXX XXXX - XXXX I dispute the accuracy of the reported charge-off account, which is closed with a XXXX balance. Please verify the account details and, if unable to do so, promptly remove the account from my credit report to ensure compliance with fair credit reporting laws. 



XXXX XXXXXXXX - XXXX - After reviewing my credit report, I found inaccuracies in the reporting of the charge-off account. Please verify the accuracy of the account details. If unable to verify, please delete the account from my credit report. 

XXXX XXXX - XXXX - The charge-off account on my credit report is inaccurately reported as open despite being closed with a XXXX balance. This discrepancy misrepresents my credit standing and violates fair credit reporting. I request that you deleting this account from my credit report. 

XXXX XXXXXXXX - XXXX - I dispute the accuracy of the charge-off account on my credit report. Please validate the account details, including the account number and open date. Additionally, verify the reported payment history. If unable to validate, please remove the account from my credit report. 

XXXX XXXX - XXXX - I dispute the accuracy of the reported charge-off account, which is closed with a XXXX balance. Please verify the account details and, if unable to do so, promptly remove the account from my credit report to ensure compliance with fair credit reporting laws. 

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. Despite my previous efforts to dispute this inaccurate information, it remains on my credit report, causing undue harm.

Furthermore, Section 623 ( a ) ( 2 ) of the FCRA mandates that consumer reporting agencies must promptly delete or correct inaccurate information upon receiving a dispute. The persistence of this inaccurate information on my credit report demonstrates a violation of this provision.

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 non-monetary relief