Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$20000.00}. I previously disputed this account stating : ''I am writing to dispute the accuracy of the information reported on my credit report. Under the Fair Credit Reporting Act, 15 USC 1681, I am entitled to accurate and complete informationThis account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I have the right to privacy please send proof of consent. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.CXXXX XXXX XXXX XXXXXXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. I am writing to dispute the accuracy of information reported on my credit report. Under the Fair Credit Reporting Act, 15 USC 1681, I am entitled to accurate and complete information. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. 
I previously disputed this account stating : ''I am writing to dispute the accuracy of the information reported on my credit report. Under the Fair Credit Reporting Act, 15 USC 1681, I am entitled to accurate and complete informationThis account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I have the right to privacy please send proof of consent ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.XXXX XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. I am writing to dispute the accuracy of information reported on my credit report. Under the Fair Credit Reporting Act, 15 USC 1681, I am entitled to accurate and complete information. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.XXXX XXXX XXXXXXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. I am writing to dispute the accuracy of information reported on my credit report. Under the Fair Credit Reporting Act, 15 USC 1681, I am entitled to accurate and complete information. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$6800.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.Collection account from XXXX XXXX XXXX XXXX  with account # XXXX and a balance of {$800.00}. The original creditor is XXXX XXXX XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Under the Fair Credit Reporting Act, 15 USC 1681, I am entitled to accurate and complete information. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.I personally signed and sent this letter

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