Consumer complaint received 2024-07-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Subject : Request for Investigation and Deletion of Inaccurate Information To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. I have reviewed my credit report from XXXX, Experian, and XXXX, and found the following account information to be inaccurate, unverifiable, and incomplete : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : [ Account XXXXXXXX ] The details reported are as follows : XXXX : High Balance : {$590.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$61.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$61.00} Account Type : Secured credit card Payment Frequency : -- Credit Limit : {$500.00} Experian : High Balance : {$0.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$61.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Credit line closed - consumer request - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. 
Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$61.00} Account Type : Credit line secured Payment Frequency : -- Credit Limit : {$500.00} XXXX : High Balance : {$61.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$61.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : National Credit Card Companies Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Account closed at consumer 's request. Charged off account. 
Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$61.00} Account Type : -- Payment Frequency : -- XXXX XXXX : {$0.00} This information is incorrect and does not reflect my true credit history. Therefore, I am requesting that you investigate and remove this inaccurate information from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct or remove any information that is incorrect, incomplete, or unverifiable. 
Please provide me with a copy of the results of your investigation and an updated copy of my credit report once the changes have been made. Additionally, if the investigation does not resolve my dispute, please include an explanation in writing of the procedures used to determine the accuracy and completeness of the information, and provide the name, address, and phone number of the creditor who provided the information. 
Thank you for your prompt attention to this matter. 
Sincerely, 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