Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Incorrect Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report. These errors, as furnished by the creditors listed below, violate the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPBs assistance to ensure these matters are thoroughly investigated and that the information is corrected or removed if it can not be substantiated.

Disputed Accounts and Issues 1. XXXX  XXXX ( Account XXXX. XXXX ) Issue : The account is reported as a charge-off with {$460.00} written off and past due as of XX/XX/XXXX. These details appear inconsistent with my payment history and balance updates. 

Request : Verify the payment history, balance, and charge-off status. Remove or correct any discrepancies if substantiation is lacking. 

XXXX. XXXX ( Account XXXX. XXXX ) Issue : The account is listed as repossessed with an {$8100.00} balance past due. However, the payment history and status updates are unclear and inconsistent with my records. 

On or around XX/XX/XXXX, I was involved in a severe car accident while completing a XXXX delivery. The vehicle was rear-ended, causing serious neck and back injuries that left me unable to work or generate income. The car remained at the repair facility for approximately XXXX months while the at-fault partys insurance processed the claim and handled repairs. 

During this time, I contacted XXXX Customer Service to explain my situation and request assistance due to these extenuating circumstances. Despite my efforts to keep them informed, XXXX attempted to repossess the vehicle from the repair facility. I managed to make a payment to delay the repossession temporarily, but the vehicle was ultimately repossessed in XX/XX/XXXX. 

Request : XXXX. Validate the reported payment history, repossession status, and balance. 

XXXX. Provide documentation detailing the accounts payment history, repossession procedures, and any charges or balances resulting from the repossession. 

XXXX. Remove or correct any inaccuracies or unverifiable information in compliance with the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Issue : The account reflects a past due balance of {$80.00} as of XX/XX/XXXX, alongside delinquencies that do not align with my records. 

Request : Investigate and verify the reported payment history and past due amounts. Remove unverifiable information. 

XXXX. XXXX XXXX XXXX ( Account No. XXXX ) Issue : The account is listed as charged-off with {$220.00} past due. However, prior dispute attempts have not resolved discrepancies in the payment history or charge-off details. 

Request : Reinvestigate and correct any errors in the charge-off or payment records. 

XXXX. XXXX XXXX XXXX ( Account No. XXXX ) Issue : The account is inaccurately listed as a charge-off. Additionally, I have never signed an agreement with XXXX XXXX XXXX. My original contract was with XXXX XXXX XXXX, and there is no documentation proving my obligation to XXXX. 

Request : 1. Confirm the accuracy of the charge-off status, payment history, and balance.

2. Remove unverifiable information, as required under : 15 USC 1666b : Billing error correction.

15 USC 1681i : Credit reporting dispute requirements.

15 USC 1681s-2 : Obligations of furnishers to report accurate data.

UCC 9, Part 6 : Repossession compliance.

Summary of Concerns Many of these accounts reference prior disputes that failed to produce conclusive evidence or rectifications. The inaccuracies harm my credit profile and fail to meet the FCRAs requirements for accurate, complete, and verifiable reporting.

Requested Actions 1. Ensure each disputed account is thoroughly reinvestigated.

2. Remove or correct any unverifiable or inaccurate information.

3. Require furnishers to provide documentation supporting their reporting or correct the records as necessary.

Thank you for your attention to this matter. Please keep me updated on the progress of your investigation and any actions taken to resolve these disputes. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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