Consumer complaint received 2024-08-22 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: NJ

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed that some things are incomplete and not accurate and according to the FAIR CREDIT REPORTING ACT whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


THESE ACCOUNTS ARE CLOSED and not reporting correctly. Please remove from my credit report, Thank you. 

Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Mortgage Account Loan Type FHA REAL ESTATE MORTGAGE Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$180000.00} Pay Status Transferred; was Paying as agreed Terms {$0.00} per month, paid Monthly for 360 months Date Closed XX/XX/XXXX Remarks TRANSFERRED TO ANOTHER LENDER Address XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$2200.00} Original XXXX XXXX XXXX XXXXXXXX XXXX {$2000.00} Pay Status >Account paid in Full was a Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX Date Paid XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks SETTLED-LESS THAN FULL BLNC ; PAID IN XXXX A CHARGE OFF Address ATTN XXXX, XXXX XXXX XXXX XXXX, WI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/XXXX Payment Received {$530.00} Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Monthly for 72 months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$24000.00} from XX/XX/XXXX to XX/XX/XXXX Remarks CLOSED Address po box XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$3300.00} Credit Limit {$2400.00} Past Due {$3200.00} Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks Completed investigation of FCRA dispute-consumer disagreed ; CLOSED BY XXXX XXXX ; UNPAID BALANCE CHARGED OFF Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Date Updated XX/XX/XXXX Payment Received {$550.00} Last Payment Made XX/XX/XXXX High Balance {$20000.00} Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Monthly for 63 months Date Closed XX/XX/XXXX Remarks CLOSED Address XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type INSTALLMENT SALES CONTRACT Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$2100.00} Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Bi-weekly for 24 months Date Closed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; CLOSED Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$0.00} Credit Limit {$2000.00} Pay Status Paid, XXXX XXXX was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Remarks INACTIVE ACCOUNT ; CLOSED Address XXXX XXXX  XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date XXXX XX/XX/XXXX XXXX Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$0.00} Credit Limit {$1500.00} Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Remarks INACTIVE ACCOUNT ; CLOSED Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone ( XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX Individual Account Account Type Installment Account Loan Type INSTALLMENT SALES CONTRACT Date Updated XX/XX/XXXX Payment Received {$14.00} Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Monthly for 6 months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$76.00} from XX/XX/XXXX to XX/XX/XXXX Remarks CLOSED Address XXXX South Corporate Place XXXX XXXXXXXX XXXX XXXX XXXXhone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CHARGE ACCOUNT Date Updated XX/XX/XXXX High Balance {$0.00} XXXX XXXX {$5000.00} Pay Status Paid, Closed ; was Paid as agreed Terms Paid Monthly Date Closed XX/XX/XXXX Remarks CLOSED BY XXXX XXXX ; CLOSED Address XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$3300.00} Credit Limit {$2400.00} Past Due {$3200.00} Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks Completed investigation of FCRA XXXX disagreed ; CLOSED BY XXXX XXXX ; UNPAID BALANCE CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief