Consumer complaint received 2025-03-24 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Equifax TransUnion Experian Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Balance {$540.00} {$540.00} {$540.00} Current Balance {$540.00} {$540.00} {$540.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Placed for collection XXXX XXXX XXXX XXXX XXXX  - summary Equifax TransUnion Experian Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Original Balance {$650.00} {$650.00} {$650.00} Current Balance {$200.00} {$200.00} {$200.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Paying under a partial payment agreement Paying under a partial payment agreement XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - summary Equifax TransUnion Experian Account Number XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Balance {$250.00} {$250.00} {$250.00} Current Balance {$60.00} {$60.00} {$60.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Affected by natural disaster Affected by natural/declared disaster XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - summary Equifax TransUnion Experian Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Original Balance {$700.00} {$700.00} {$700.00} Current Balance {$410.00} {$410.00} {$410.00} Responsibility Individual Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Collection account Placed for collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - summary Equifax TransUnion Experian Account Number XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Original Balance {$1100.00} {$1100.00} Current Balance {$600.00} {$600.00} Responsibility Individual Individual Status Collection account Comments Consumer disputes this account information, Collection account Account information disputed by consumer XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - summary Equifax TransUnion Experian Account Number XXXX XXXX XXXX Original Lender XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Agency Name XXXX XXXX XXXX XXXX XXXX Date Assigned XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Balance {$740.00} {$740.00} {$740.00} Current Balance {$740.00} {$740.00} {$740.00} Responsibility Individual Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Collection account Placed for collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX summary Equifax TransUnion Experian XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Agency Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Original Balance {$1200.00} {$1200.00} {$1200.00} Current Balance {$1200.00} {$1200.00} {$1200.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Consumer disputes this account information Account information disputed by consumer Account Information Disputed By XXXX XXXXXXXX XXXX XXXXs - summary Equifax TransUnion Experian Account Number XXXXXXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX  Agency Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Balance {$370.00} {$370.00} {$370.00} Current Balance {$0.00} {$0.00} Responsibility Individual Individual Individual Status Paid Payment after charge off/collection Paid account/was a collection account , insurance claim or government claim or was terminated for default XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - Summary Equifax TransUnion Experian Last Updated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency Bad debt/collection None Reported Charge Off/Other Derog Balance {$150.00} {$150.00} {$150.00} Credit Limit {$400.00} {$400.00} {$400.00} Credit Utilization 39 % 39 % 39 % 2-Year Payment History Older Derogatory events More Details XXXX XXXX XXXX XXXX XXXX  Accounts - negative accounts - XXXX XXXX Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency Bad debt/collection None Reported Charge Off/Other Derog Balance {$0.00} {$0.00} {$0.00} Credit Limit {$100.00} {$100.00} {$100.00} 2-Year Payment History Older Derogatory events More Details XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - negative accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX XXXX Collection account Collection account Worst Delinquency None Reported None Reported Balance {$1700.00} {$1700.00} Credit Limit More Details XXXX XXXX XXXX XXXX ( Revolving ) Accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$480.00} {$480.00} {$480.00} Credit Limit {$500.00} {$500.00} {$500.00} Credit Utilization 97 % 97 % 97 % 2-Year Payment History More Details Syncb/Care Credit Syncb/Care Credit ( Revolving ) Accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$1700.00} {$1800.00} {$1800.00} Credit Limit {$7000.00} {$7000.00} {$7000.00} Credit Utilization 25 % 26 % 26 % XXXX Payment History More Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving ) Accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$330.00} {$330.00} {$330.00} Credit Limit {$300.00} {$300.00} {$300.00} Credit Utilization 111 % 111 % 111 % 2-Year Payment History More Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX Payment Status Paid or paying as agreed Worst Delinquency None Reported Balance {$3000.00} Credit Limit 2-Year Payment History More Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Pays account as agreed Paid XXXX paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$8700.00} {$8800.00} {$8700.00} Credit Limit 2-Year Payment History More Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving ) Accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX Payment Status Paid or paying as agreed Worst Delinquency None Reported Balance {$0.00} Credit Limit 2-Year Payment History More Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed Account paid satisfactorily Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} Credit Limit {$350.00} {$350.00} {$350.00} 2-Year Payment History More Details XXXX XXXX  ( Revolving ) Accounts XXXX XXXX XXXX XXXXummary Equifax TransUnion Experian Last Updated XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed Account paid satisfactorily Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} Credit Limit {$100.00} {$100.00} {$100.00} 2-Year Payment History More Details XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status Pays account as agreed Paid XXXX paying as agreed Account paid satisfactorily Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} Credit Limit {$210.00} {$210.00} {$210.00} 2-Year Payment History Older Derogatory events More Details XXXX XXXX XXXX XXXXXXXX ( Revolving ) Accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX Payment Status Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported No update received Balance {$0.00} Credit Limit {$1700.00} {$1700.00} 2-Year Payment History More Details XXXX XXXX XXXX XXXX ( Installment ) Accounts - negative accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX Payment Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Worst Delinquency Charge Off/Other Derog Balance {$1700.00} Credit Limit 2-Year Payment History Older Derogatory events More Details Dept Of Ed/XXXX Dept Of Ed/XXXX  ( Installment ) Accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed Account paid satisfactorily Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} Credit Limit 2-Year Payment History More Details Dept Of Ed/XXXX  Dept Of Ed/XXXX  ( Installment ) Accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed Account paid satisfactorily Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} Credit Limit 2-Year Payment History More Details Dept Of Ed/XXXX  Dept Of Ed/XXXX ( Installment ) Accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed Account paid satisfactorily Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} Credit Limit 2-Year Payment History More Details Dept Of Ed/XXXX  Dept Of Ed/XXXX  ( Installment ) Accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed Account paid satisfactorily Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} Credit Limit 2-Year Payment History More Details Dept Of Ed/XXXX  Dept Of Ed/XXXX  ( Installment ) Accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed Account paid satisfactorily Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} Credit Limit 2-Year Payment History More Details Dept Of Ed/XXXX  Dept Of Ed/XXXX  ( Installment ) Accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Status Pays account as agreed Paid or paying as agreed Account paid satisfactorily Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} Credit Limit 2-Year Payment History More Details XXXX XXXX XXXX XXXX  ( Installment ) Accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$360.00} {$360.00} {$360.00} Credit Limit 2-Year Payment History More Details Dept Of Ed/XXXX  Dept Of Ed/XXXX ( Installment ) Accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$8600.00} {$8600.00} {$8600.00} Credit Limit 2-Year Payment History More Details Dept Of Ed/XXXX Dept Of Ed/XXXX  ( Installment ) Accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$37000.00} {$37000.00} {$37000.00} Credit Limit 2-Year Payment History More Details Dept Of Ed/XXXX  Dept Of Ed/XXXX ( Installment ) Accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$6800.00} {$6800.00} {$6800.00} Credit Limit 2-Year Payment History More Details Dept Of Ed/XXXX  Dept Of Ed/XXXX  ( Installment ) Accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid XXXX XXXX as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$1200.00} {$1200.00} {$1200.00} Credit Limit 2-Year Payment History More Details XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$190.00} {$190.00} {$180.00} Credit Limit {$250.00} {$250.00} {$250.00} Credit Utilization 77 % 77 % 75 % 2-Year Payment History More Details XXXX  XXXX ( Revolving ) Accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX Payment Status This is an account in good standing Worst Delinquency No update received Balance Credit Limit {$7500.00} 2-Year Payment History More Details XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 60 days past due None Reported Charge Off/Other Derog Balance {$0.00} {$0.00} Credit Limit {$250.00} {$250.00} {$250.00} 2-Year Payment History Older Derogatory events More Details XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - closed - Summary Equifax TransUnion Experian Last Updated XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Account paid satisfactorily Worst Delinquency None Reported No update received Balance {$0.00} Credit Limit 2-Year Payment History More Details

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