Consumer complaint received 2024-08-02 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: FL

Complaint narrative:
problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPANY I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX CFPB-XXXX ) to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. Summary of Discrepancies : 1. High Balance : Experian reports {$0.00}, while XXXX and XXXX report {$680.00}. 2. 3. Last Verified : Only XXXX  reports a date ( XX/XX/XXXX ). Date of Last Activity : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 4. Date Opened : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian and XXXX ). 5. Balance Owed : Experian reports {$10.00}, while XXXX and XXXX report {$0.00}. 6. 7. Closed Date : Only XXXX reports a date ( XX/XX/XXXX ). Account Rating : XXXX reports Derogatory, while XXXX and Experian report Paid. 8. Creditor Type : XXXX lists National Credit Card Companies, while XXXX and Experian list Bank Credit Cards. 9. Creditor Remarks : Different remarks from each bureau. 10. Last Payment : Differing dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ). 11. Account Type : XXXX reports Secured credit card, Experian reports Credit line secured, and XXXX does not report. 12. Credit Limit : XXXX reports {$0.00}, while XXXX and Experian report {$500.00}. 13. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.

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