Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Date : XX/XX/XXXX, XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Report Number : XXXX ) Dear Experian Dispute Department, I am writing to formally dispute inaccurate information reported on my credit file under the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit report and found incorrect items that I request to be investigated and corrected. 

**1. Incorrect Personal Information : ** - Several incorrect variations of my name are listed. I request that you correct the official name to " XXXX XXXX '' and remove any alternative spellings or errors. 

**2. Disputed Accounts : ** XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) ** - The account status reports as charged off with a balance of {$500.00} as of XX/XX/XXXX. I believe this information is incorrect because [ provide your explanation and supporting documents if applicable, such as proof of payments or settlements ]. 

**XXXX  XXXX ( Account XXXX : XXXX ) ** - The account reports a charge-off status with a balance of {$10000.00}. I dispute the accuracy of this report due to [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] and have enclosed [ XXXX XXXX XXXX XXXX ]. 

Please find enclosed copies of my report with disputed items highlighted, alongside supporting documentation such as [ XXXX XXXX XXXX ]. 

Under the FCRA, I expect this information to be reinvestigated timely and corrected, or to receive a statement explaining why the matter was not resolved to my satisfaction. Moreover, I would appreciate receiving an updated version of my credit report reflecting these modifications. 

Thank you for addressing these concerns promptly. Please confirm receipt of this dispute and inform me of the results of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian Dispute Department** XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX, XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Report Number : XXXX ) Dear Experian Dispute Department, I am writing to formally dispute inaccurate information reported on my credit file under the Fair Credit Reporting Act ( FCRA ). Below are the discrepancies I have identified : XXXX. XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) ** - This account shows a charge-off status with a balance of {$500.00}. I believe this information is incorrect because [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. 

XXXX. XXXX XXXX ( Account XXXX : XXXX ) ** - This account is listed as charged off with a balance of {$10000.00}. I dispute this status due to [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. 

XXXX. XXXX XXXX ( Account Numbers : XXXX / XXXX ) ** - The second account is inaccurately marked as charged off with a balance reported, whereas I believe the balance and status do not reflect current facts. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX. XXXX XXXX XXXX Account XXXX : XXXX ) ** - It shows negatively as paid in settlement with a charge-off. However, the account was settled and should reflect accurately that it was paid in settlement with no current balance. [ Provide explanations and documents. ] XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX ) ** - This account inaccurately reflects a charged-off status with a reported balance. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ] Enclosed are copies of my report along with supporting documentation for your review. I request immediate investigation and correction of these inaccuracies. 

Under the FCRA, I anticipate a timely investigation and rectification or a written justification should these matters not be resolved as expected. Additionally, please provide an updated credit report reflecting these corrections. 

Thank you for addressing these concerns promptly. Please confirm receipt of this dispute and the outcome of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Report Number : XXXX ) Dear Experian Dispute Department, I am writing to formally dispute inaccuracies I have identified in my recent credit report under the Fair Credit Reporting Act ( FCRA ). Please find below the items I believe require correction : XXXX. XXXX XXXX ( Account XXXX : XXXX ) ** - The charge-off status is incorrect. I believe this was reported in error. [ XXXX XXXX XXXX XXXX ]. 

XXXX. XXXX  XXXX XXXX ( Account XXXX : XXXX ) ** - The report reflects a charge-off as of XX/XX/XXXX but payments made [ or explain any discrepancies, and attach documentation if any ]. 

XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX ( Account Number : XXXX ) ** - A charged-off status is reported with a past due balance which I believe is incorrect. This should reflect [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. 

XXXX. XXXX / XXXX XXXX ( Account XXXX : XXXX ) ** - This account shows a 'paid in settlement ' status which doesn't align with my resolution records [ XXXX XXXX XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX  XXXX ( Account Number : XXXX ) ** - Recent payments and closure status might not be correctly updated. Please verifiy the details as per attached documentation. 

Enclosed are copies of the credit report with these entries highlighted, alongside evidence validating my disputes for each account. 

According to the FCRA, I expect a thorough, prompt investigation and correction of these errors. Please send me an updated report upon adjustment of these errors, or a written explanation if your investigation does not lead to changes. 

Thank you for attending to these concerns promptly. Kindly confirm the receipt of this letter and provide me with any updates regarding the status of my disputes. 

Sincerely, XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Report Number : XXXX ) Dear Experian Dispute Department, I am writing to dispute the information regarding my XXXX  XXXX XXXX account ( Account Number : XXXX ) as listed on my recent credit report. I am contesting the following inaccuracies : **XXXX  XXXX XXXX Dispute Details : ** - The account is reported as charged off with a balance of {$3200.00}. I believe this to be incorrect becausXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- The reported status should reflect [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Attached to this letter are copies of my credit report with the disputed item highlighted, along with any supporting documentation to help clarify this matter. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you re-investigate this matter and update my credit file to reflect accurate information. Please correct any inaccuracies found and provide me with a copy of the corrected report. 

Thank you for your prompt attention to this matter. I look forward to your response and timely correction of this error. 

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