Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
I am writing to formally dispute several accounts that continue to appear on my credit report, despite your previous investigation. The accounts in question are in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The inaccuracies associated with these accounts are severely damaging my credit score. In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsections A-D, I request that these items be re-investigated immediately.

Please find the details of the disputed accounts listed below : Account Name : XXXX XXXX XXXX Account Number : No account # listed Amount : {$1600.00} Dispute : This account does not appear on my credit reports from other credit bureaus. Investigate the completeness and accuracy of this account. If found to be inaccurate or unverified, please remove it from my credit report. 

Account Name XXXX XXXX XXXX XXXX  Account Number : No account # listed Amount : {$530.00} Dispute : This account does not appear on my credit reports from other credit bureaus. Investigate the completeness and accuracy of this account. If found to be inaccurate or unverified, please remove it from my credit report. 


Dispute : This account does not appear on my credit reports from other credit bureaus. Investigate the completeness and accuracy of this account. If found to be inaccurate or unverified, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Amount : {$8000.00} Dispute : Investigate the completeness and accuracy of this account. If found to be inaccurate, please remove it from my credit report. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Details of the Dispute : Date Charged Off : XX/XX/XXXX Issue : The account has been repeatedly updated as " charged off '' every month since the charge-off date. This is inaccurate because a charged-off account should not reflect an active payment history. This misrepresentation manipulates the statute of limitations and falsely impacts my credit report Account Name : XXXX XXXX Account Number : XXXX Amount : {$14000.00} Details of the Dispute : Date Charged Off : XX/XX/XXXX Issue : The account has been repeatedly updated as " charged off '' every month since the charge-off date. This is inaccurate because a charged-off account should not reflect an active payment history. This misrepresentation manipulates the statute of limitations and falsely impacts my credit report Account Name : XXXX Account Number : XXXX Amount : {$10000.00} Details of the Dispute : Date Charged Off : XX/XX/XXXX Issue : The account has been repeatedly updated as " charged off '' every month since the charge-off date. This is inaccurate because a charged-off account should not reflect an active payment history. This misrepresentation manipulates the statute of limitations and falsely impacts my credit report Account Name : XXXX XXXX Account Number : XXXX Amount : {$450.00} Details of the Dispute : Date Charged Off : XX/XX/XXXX Issue : The account has been repeatedly updated as " charged off '' every month since the charge-off date. This is inaccurate because a charged-off account should not reflect an active payment history. This misrepresentation manipulates the statute of limitations and falsely impacts my credit report Account Name : XXXX  XXXX Account Number : XXXX Amount : {$74.00} Details of the Dispute : Date Charged Off : XX/XX/XXXX Issue : The account has been repeatedly updated as " charged off '' every month since the charge-off date. This is inaccurate because a charged-off account should not reflect an active payment history. This misrepresentation manipulates the statute of limitations and falsely impacts my credit report Account Name : Applied Bank Account Number : XXXX Amount : {$1200.00} Details of the Dispute : Date Charged Off : XX/XX/XXXX Issue : The account has been repeatedly updated as " charged off '' every month since the charge-off date. This is inaccurate because a charged-off account should not reflect an active payment history. This misrepresentation manipulates the statute of limitations and falsely impacts my credit report Account Name : XXXX XXXX XXXX XXXX Account Number : No account # listed Amount : {$20000.00} Details of the Dispute : Date Charged Off : XX/XX/XXXX Issue : The account has been repeatedly updated as " charged off '' every month since the charge-off date. This is inaccurate because a charged-off account should not reflect an active payment history. This misrepresentation manipulates the statute of limitations and falsely impacts my credit report.

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