Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian, I am writing to formally alert you to some errors I have found in my credit report, After carefully reviewing the report that I received from your organization, I have discovered a number of inaccurate accounts that require urgent review and correction. It is specifically necessary to address the following inaccurate accounts. 
PERSONAL INFORMATION : My Date of birth is reporting wrong ; it is not the same for the other bureaus. Correct this as soon as you get this. 
Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you must investigate and Im asking you to do that. The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must be deleted immediately from my credit report. 
ACCOUNTS : XXXX XXXX : XXXX : ACCOUNT TYPE - Detail : I've found that this field 's details on my credit report are inaccurate because they don't match other reports. My companion informed me that investigations typically conclude in 30 days. Kindly initiate the probe and fix this deceptive field. No. of Months ( terms ) : Field inaccurately recorded on my credit report due to less than perfect reporting. I urgently request that the identified information be promptly corrected. COMMENTS : There might be a mistake in this section of my credit report because it differs from the other reports. Please check, and if not, remedy it. PAYMENT HISTORY : I am disputing the claim for the information in this field, as it is inaccurately listed on the credit report. I believe it is an appropriate time for your company to conduct a thorough investigation and resolve this item on my report. 
XXXX : XXXX : ACCOUNT STATUS : The field listed on my credit report seems erroneous because the data isn't reflected 100 % accuracy. I urge that the information in question be corrected immediately. COMMENTS : Due to the way it is being reported, this field 's information is referred to as being incorrect. Send me an update after making the necessary adjustments. DATE LAST ACTIVE : The way the date is reported suggests that it may contain an error. Please conduct an investigation and ensure the information is resolved. 

XXXX XXXX XXXX : XXXX : ACCOUNT TYPE - Detail : The item in the field of the credit report is erroneously listed. This detail requires adjustment. No. of Months ( terms ) : Field details are inaccurately portrayed on the credit report due to reporting discrepancies, and it does not align with other bureaus. The item requires adjustment. HIGH CREDIT : This field is being reported inaccurately and not in accordance with the other two credit agencies. Seeking clarification and modification. PAYMENT STATUS : In my report, the information contained in this particular field is either incorrect or inconsistent. The information provided by the several other credit bureaus is distinct. Please rectify the mistake and keep me informed. LAST REPORTED : The data in this erroneous field does not match that of the other two credit bureaus. I need the information I supplied to be amended. Comments : An erroneous field is visible in the credit report. It's not entirely accurate. Look into this dispute and rectify the inaccurate information in the report. DATE LAST ACTIVE : The data for this field is unreliable, or in simpler terms, incorrect. Please investigate this dispute and amend the incorrect information. PAYMENT HISTORY : There is inaccurate data on my credit report as a result of the reporting method used for this field. If the information can not be verified, please proceed to make immediate corrections to the data. 

XXXX : XXXX : ACCOUNT TYPE - Detail : The report falsely includes this field due to incorrect reporting. Please conduct an inquiry into this matter. 
DATE OPENED : The data in this field appears to be reported inaccurately, as it differs on the other two credit bureaus. Resolve the situation. No. of Months ( terms ) : Field data is flawed because it's incorrect. Seeking verification in accordance with the law. LAST REPORTED : Because it displays differently on the other two credit bureaus, it appears that the data in this field is not reporting accurately. It should be resolved or adjusted. COMMENTS : I contest the correctness and completeness of this field. Investigate and fix to ensure that the data is 100 % accurate. DATE LAST ACTIVE : I am questioning the trustworthiness and precision of this report. Make sure the data is completely accurate by conducting a thorough investigation. Payment History : I am reporting this inaccurate report because it does not align with the information provided by all bureaus. I am requesting that this item be promptly corrected or deleted. I am utilizing my rights under Sections 609 and 611 as a consumer who is knowledgeable about the Fair Credit Reporting Act ( FCRA ) to contest these disparities and ask that they be fixed. Finding these disparities has made me very anxious and distressed because they could have a negative impact on my credit score. It is concerning and unsettling to think that my longstanding reputation for upholding perfect financial standing may suffer. My urgency in this issue is increased by the knowledge that these mistakes may affect how prospective creditors view me. As a result, my potential inability to get credit emphasizes how crucial it is that you take prompt action to correct the errors on my credit report and provide me with all proof of your investigations such as I respectfully ask that you respond as soon as possible in following FCRA Sections 609 and 611.

I sincerely hope that the unnecessary errors that have appeared on my credit report be removed as soon as possible. I believe that 30 days gives reasonable time '' for you guys to investigate these items. I believe that under Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Finally, I would like to express my gratitude for your quick attention to this important issue and my hope that it will be resolved quickly. Please don't hesitate to get in touch with me if you need more details or clarification. Your time and expected cooperation are greatly appreciated. 

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