Consumer complaint received 2024-03-18 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: WA

Complaint narrative:
I have recently examined my credit report and identified inaccuracies and discrepancies in the reported accounts. 

Reporting in XXXX : 1. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. 
2. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
3. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
4. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
5. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX XXXX XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

Reporting in Experian : 1. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. 
2. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
3. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
4. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX XXXX XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WA XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

Reporting in XXXX : 1. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. 
2. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX XXXX XXXX XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. 
3. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
4. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 5. Under 15 U.S.C. 1681i Paragraph ( XXXX ) 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 shall ( i ) promptly delete XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove it from my credit report. 
9. Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 shall ( i ) promptly delete XXXX XXXX XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate.

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