Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX File Number : XXXX The following inquiries were not made by me and shall be removed from my consumer report : The Following Inquiry Items Are In Dispute Because They Were Made Not By Me 1. DISPUTED ITEM : XXXX Requested Date XX/XX/XXXX Location XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual 2. DISPUTED ITEM XXXX XXXX XXXX Requested Date XX/XX/XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual The Following Name Is In Dispute Because It Is Not My Name 1. Disputed Name : XXXX XXXX XXXX XXXX The Following Items Are Being Reported As A Charge Off, And That Is A Display Of A Transaction History Between Myself And A Creditor That I Wish Not To Be Reported As Stated In Those Terms. 

Disputed Account Reporting Transaction History : The Words Charge-Off, Charged-Off, Sold, Written-Off, and Unpaid Balance Charged-Off __Shall Be Removed Because They Are Not Equitable To Me As A Consumer And According To USC 6801. This information is confidential to me and causes an inconvenience for me when applying for new credit. It is also an account that I wish to dispute on the grounds that they are inequitable to me as stated. Also Pursuant to 15 USC 1681 ( c ), ( 2 ), ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 
DISPUTE 1. 
XXXX XXXX XXXX {$0.00} - - -No Data Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available 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 {$320.00} Credit Limit {$100.00} Pay Status >SOLD ; WAS CHARGED OFF-< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF -- -PLEASE Remove THE Words >WAS A CHARGE-OFF, SOLD ; WAS CHARGED OFF< Disputed Account Reporting Transaction History : The Words Charge-Off, Charged-Off, Sold, Written-Off Shall Be Removed Because They Are Not Equitable To Me As A Consumer And According To USC 6801. This information is confidential to me and causes an inconvenience for me when applying for new credit. It is also an account that I wish to dispute because they are inequitable to me as stated. Also Pursuant to 15 USC 1681 ( c ), ( 2 ), ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 
DISPUTE 2. 
XXXX XXXXXXXX {$0.00} - - -No Data Account Information Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone Phone number not available 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 {$1000.00} Credit Limit {$700.00} Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF Disputed Account Reporting Transaction History : The Words Charge-Off, Charged-Off, Sold, and Written-Off Shall Be Removed Because They Are Not Equitable To Me As A Consumer And According To USC 6801. This information is confidential to me and causes an inconvenience for me when applying for new credit. It is also an account that I wish to dispute because they are inequitable to me as stated. Also Pursuant to 15 USC 1681 ( c ), ( 2 ), ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.

DISPUTE 3. 
XXXX XXXX XXXX XXXX {$0.00} - - -No Data Account Information Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Disputed Account Reporting Transaction History : The Words Charge-Off, Charged-Off, Sold, Written-Off Shall Be Removed Because They Are Not Equitable To Me As A Consumer And According To USC 6801. This information is confidential to me and causes an inconvenience for me when applying for new credit. It is also an account that I wish to dispute because they are inequitable to me as stated. Also Pursuant to 15 USC 1681 ( c ), ( 2 ), ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 
DISPUTE 4. 
XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 {$1100.00} Credit Limit {$1000.00} Past Due {$1100.00} 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 Account information disputed by consumer ( FCRA ) ; UNPAID BALANCE CHARGED OFF Disputed Account Reporting Transaction History : The Words Charge-Off, Charged-Off, Sold, Written-Off Shall Be Removed Because They Are Not Equitable To Me As A Consumer And According To USC 6801. This information is confidential to me and causes an inconvenience for me when applying for new credit. It is also an account that I wish to dispute because they are inequitable to me as stated. Also Pursuant to 15 USC 1681 ( c ), ( 2 ), ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 
DISPUTE 5. 
XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 {$1200.00} Credit Limit {$1000.00} Past Due {$1200.00} 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 Account information disputed by consumer ( FCRA ) ; UNPAID BALANCE CHARGED OFF Disputed Account Reporting Transaction History : The Words Charge-Off, Charged-Off, Sold, Written-Off Shall Be Removed Because They Are Not Equitable To Me As A Consumer And According To USC 6801. This information is confidential to me and causes an inconvenience for me when applying for new credit. It is also an account that I wish to dispute because they are inequitable to me as stated. Also Pursuant to 15 USC 1681 ( c ), ( 2 ), ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.

DISPUTE 6. 
XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 {$1100.00} Credit Limit {$1000.00} Past Due {$1100.00} 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 Account information disputed by consumer ( FCRA ) ; UNPAID BALANCE CHARGED OFF Disputed Account Reporting Transaction History : The Words Charge-Off, Charged-Off, Sold, Written-Off Shall Be Removed Because They Are Not Equitable To Me As A Consumer And According To USC 6801. This information is confidential to me and causes an inconvenience for me when applying for new credit. It is also an account that I wish to dispute because they are inequitable to me as stated. Also Pursuant to 15 USC 1681 ( c ), ( 2 ), ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 
DISPUTE 7. 
XXXXXXXX XXXX XXXXXXXX {$1800.00} - - -No Data Account Information Address po box XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX ( 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 Original Creditor XXXXXXXX XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$1800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1800.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$1600.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Disputed Account Reporting Transaction History : The Words Charge-Off, Charged-Off, Sold, Written-Off Shall Be Removed Because They Are Not Equitable To Me As A Consumer And According To USC 6801. This information is confidential to me and causes an inconvenience for me when applying for new credit. It is also an account that I wish to dispute because they are inequitable to me as stated. Also Pursuant to 15 USC 1681 ( c ), ( 2 ), ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. 
DISPUTE 8. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1200.00} - - -No Data Account Information Address XXXX XXXX XXXX, XXXX # XXXX XXXX, GA 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 Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$1100.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Disputed Account Reporting Transaction History : The Words Charge-Off, Charged-Off, Sold, Written-Off Shall Be Removed Because They Are Not Equitable To Me As A Consumer And According To USC 6801. This information is confidential to me and causes an inconvenience for me when applying for new credit. It is also an account that I wish to dispute because they are inequitable to me as stated. Also Pursuant to 15 XXXXSC 1681 ( c ), ( 2 ), ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.

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