Consumer complaint received 2024-09-17 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: FL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.
Under 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S. Code 1681i (5)Treatment of inaccurate or unverifiable information(A)In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shalli)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and(ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
 
Please remove the following items from my credit report, immediately:

Experian

Account info
Account nameXXXX XXXX XXXX
Account numberXXXX  Original creditor-
Company sold-
Account typeSecured Card
Date openedXXXX XXXX XXXX
Open/closedOpen
StatusOpen.
Status updatedXXXX XXXX  BalanceXXXX
Balance updatedXXXX XXXX XXXX
Credit limitXXXX
Credit usage28%
Monthly paymentXXXX
Last Payment DateXXXX XXXX XXXX  Highest balanceXXXX  Terms-
ResponsibilityIndividual
Your statement-

XXXXXXXX XXXXlate payments
Closed

Account info
Account nameXXXX XXXX XXXX  Account numberXXXX  Original creditor-
Company sold-
Account typeCharge Card
Date openedXXXX XXXX XXXX
Open/closedClosed
StatusPaid, Closed.
Status updatedXXXX XXXX  Balance-
Balance updated-
Credit limitXXXX  Monthly payment-
Last Payment DateXXXX XXXX XXXX
Highest balanceXXXX
Terms-
ResponsibilityIndividual
Your statement

XXXX XXXX XXXXlate payments
Closed

Account info
Account nameXXXX XXXX
Account numberXXXX  Original creditor-
Company sold-
Account typeSecured Loan
Date openedXXXX XXXX XXXX
Open/closedClosed
StatusPaid, Closed.
Status updatedXXXX XXXX
Balance-
Balance updated-
Original balanceXXXX
Monthly payment-
Last Payment DateXXXX XXXX XXXX  XXXX  Months
ResponsibilityIndividual
Your statement XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX

Account info
Account nameXXXX XXXX XXXX XXXX XXXX
Original XXXX  XXXX XXXX
Company sold-
Account typeCollection
Date openedXXXX XXXX XXXX
StatusCollection accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status updatedXXXX XXXX XXXX
Balance updatedXXXX XXXX XXXX XXXX XXXX  Monthly payment-
Past due amountXXXX
Terms1 Month
ResponsibilityIndividual
Your statement XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Original XXXX  XXXX XXXX  Company sold-
Account typeCollection
Date openedXXXX XXXX XXXX
StatusCollection account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Status updatedXXXX XXXX XXXX
Balance updatedXXXX XXXX XXXX XXXX XXXX  Monthly payment-
Past due amountXXXX
Terms1 Month

XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX

Account info
Account nameXXXX XXXX XXXX
Account numbeXXXX
Original creditorXXXX XXXX XXXX  Company sold-
Account typeCollection
Date openedXXXX XXXX XXXX  StatusCollection account. XXXX  past due as of XXXX XXXX
Status updatedXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original balanceXXXX
Monthly payment-
Past due amount

XXXX XXXX XXXX  Original creditor: XXXX XXXX XXXX XXXX XXXX  
Account info
Account nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company sold-
Account typeCollection
Date openedXXXX XXXX XXXX
StatusCollection account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Status updatedXXXX XXXX
BalanceXXXX
Balance updatedXXXX XXXX XXXX
Original balanceXXXX
Monthly payment-
Past due amounXXXX
Terms1 Month
ResponsibilityIndividual
Your statement-

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Business Type: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX
Business Type: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX
Business Type: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed

Account info
Account nameXXXX XXXX XXXX XXXX XXXX
Original creditor-
Company sold-
Account typeInstallment
Date openedXXXX XXXX XXXX  Open/closedClosed
StatusPays account as agreed
Status updatedXXXX XXXX XXXX  Balance updatedXXXX XXXX XXXX XXXX XXXX  Monthly payment-
Past due amount-
Terms24 Months
ResponsibilityIndividual Account
Your statement-


XXXX XXXX XXXX XXXXpotentially negative months
$XXXX  Closed

Account info
Account nameXXXX XXXX XXXX XXXX XXXX
Original creditor-
Company sold-
Account typeInstallment
Date openedXXXX XXXX XXXX
Open/closedClosed
StatusCharge-off
Status updatedXXXX XXXX XXXX XXXX XXXX XXXXlate payments
$XXXX  Closed

Account info
Account nameXXXX XXXX XXXX  Account numberXXXX  Original creditor-
Company sold-
Account typeRevolving
Date openedXXXX XXXX XXXX
Open/closedClosed
StatusPays account as agreed
Status updatedXXXX XXXX XXXX
Balance updatedXXXX XXXX XXXX XXXX XXXX  Monthly payment-
Past due amount-
Highest balance$XXXX  Terms-
ResponsibilityIndividual Account
Your statement- XXXX XXXX XXXXlate payments
$XXXX  Closed

Account info
Account nameXXXX XXXX XXXX XXXX
Original creditor-
Company sold-
Account typeRevolving
Date openedXXXX XXXX XXXX  Open/closedClosed
StatusPays account as agreed
Status updatedXXXX XXXX XXXX  Balance updatedXXXX XXXX XXXX XXXX XXXX  Monthly payment$XXXX  Past due amount-
Highest balance$XXXX  Terms-
ResponsibilityIndividual Account
Your statement- XXXX XXXX XXXXlate payment
$XXXX  Closed

Account info
Account nameXXXX XXXX
Account numberXXXX
Original creditor-
Company sold-
Account typeInstallment
Date openedXXXX XXXX XXXX
Open/closedClosed
StatusPays account as agreed
Status updatedXXXX XXXX
Balance$XXXX  Balance updatedXXXX XXXX XXXX XXXX XXXX  Monthly payment-
Past due amount-
Terms24 Months
ResponsibilityIndividual Account
Your statement-


Original creditor: 
$XXXX  Balance updated -

Account info
Account name-
Account numberXXXX
Original creditor-
Company sold-
Account typeCollection Account
Date openedXXXX XXXX XXXX  StatusUnpaid
Status updatedXXXX XXXX
Balance$XXXX  Balance updated-
Paid XXXX%
Monthly payment-
Past due amount-
Terms-
ResponsibilityIndividual Account
Your statement-


Original creditor: 
$XXXX  Balance updated -

Account info
Account name-
Account XXXX
Original creditor-
Company sold-
Account typeCollection Account
Date openedXXXX XXXX XXXX
StatusUnpaid
Status XXXX XXXX
Balance$XXXX  Balance updated-
Paid XXXX%

creditor: 
XXXX
Balance updated -

Account info
Account name-
Account numberXXXX
Original creditor-
Company sold-
Account typeCollection Account
Date openedXXXX XXXX XXXX
StatusUnpaid
Status updatedXXXX XXXX
BalanceXXXX  Balance updated-
Paid XXXX%
Monthly payment-
Past due amount-
Terms-
ResponsibilityIndividual Account
Your statement-


name-
Account numberXXXX
Original creditor-
Company sold-
Account typeCollection Account
Date openedXXXX XXXX XXXX
StatusUnpaid
Status updatedXXXX XXXX XXXX  Balance updated-
Paid XXXX%
Monthly payment-
Past due amount-
Terms-
ResponsibilityIndividual Account
Your statement

XXXX XXXX  Inquired on XXXX XXXX XXXX  Business Type: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
By mail only
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Business Type: Miscellaneous
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX
Business Type: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on r XXXX XXXXlate payments
$XXXX  Closed

Account info
Account nameXXXX
Account numberXXXX
Original creditor-
Company sold-
Account typeInstallment account
Date openedXXXX XXXX XXXX
Open/closedClosed
StatusPaid or paying as agreed
Status updatedXXXX XXXX XXXX
Balance updatedXXXX XXXX XXXX
Original balance$XXXX  Monthly payment-
Past due amount$XXXX  Terms24 Months
ResponsibilityIndividual account

XXXX  XXXX  payment history
$XXXX  Closed

Account info
Account XXXX  XXXX  Account numberXXXX
Original creditor-
Company sold-
Account typeInstallment account
Date openedXXXX XXXX XXXX
Open/closedClosed
StatusCharged off as bad debt
Status updatedXXXX XXXX XXXX XXXXlate payment
$XXXX  Closed

Account info
Account nameXXXX XXXX XXXX
Account numberXXXX
Original creditor-
Company sold-
Account typeInstallment account
Date openedXXXX XXXX XXXX
Open/closedClosed
StatusPaid or paying as agreed
Status updatedXXXX XXXX XXXX XXXXlate payments
$XXXX  Closed

Account info
Account nameXXXX  Account numberXXXX
Original creditor-
Company sold-
Account typeRevolving account
Date openedXXXX XXXX XXXX
Open/closedClosed
StatusPaid or paying as agreed
Status updatedXXXX XXXX XXXX
Balance updatedXXXX XXXX XXXX Credit limit$XXXX  Monthly payment$XXXX  Past due amount$XXXX  Highest balance$XXXX  Terms-
ResponsibilityIndividual account
XXXX XXXX XXXX
Original creditor: XXXX  XXXX XXXX XXXX
Balance updated XXXX XXXX XXXX  
Account info
Account nameXXXX XXXX
Account numbeXXXX
Original creditorXXXX XXXX XXXX
Company sold-
Account typeOpen account
Date openedXXXX XXXX XXXX  Status-
Status updatedXXXX XXXX
Balance$XXXX  Balance updatedSXXXX XXXX XXXX XXXX XXXX
Monthly payment-
Past due amount-
Terms-
ResponsibilityIndividual account

Original creditor: XXXX XXXX XXXX XXXX
Balance updated XXXX XXXX XXXX  
Account info
Account nameXXXX XXXX XXXX XXXX  Original creditorXXXX XXXX XXXX Company sold-
Account typeOpen account
Date openedXXXX XXXX XXXX
Status-
Status updatedXXXX XXXX
Balance$XXXX  Balance updatedXXXX XXXX XXXX
Paid XXXX%
Monthly payment-
Past due amount-
Terms-
ResponsibilityIndividual account
Your statement-

Payment

Inquires 

XXXX  Inquired on XXXX XXXX XXXX
Business Type: Finance, personal
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX
Business Type: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Business Type: Finance other than personal
XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Business Type: Finance other than personal
XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX  Business Type: Finance, personal
XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX  



I did not authorize any of the inquires at all

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