Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8986729
Complaint Overview
Complaint ID: 8986729
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: California
ZIP Code: 91773
Date Received: 2024-05-11T12:00:00-05:00
Date Sent to Company: 2024-05-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it may concern : I am writing to formally dispute the accuracy of certain items listed on my Experian credit report. These items were previously investigated and resolved, but they have been reinserted without proper notification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Negative Remarks to Dispute : XXXX XXXX XXXX Account Number : XXXX Status : Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/XXXX. Balance : {$7900.00} Date Reported : XX/XX/XXXX Past Due Amount : {$7900.00} Remarks : CONSUMER STATEMENT LITIGATION PENDING. Payment Status : Collection/Chargeoff XXXX XXXX Account Number : XXXX Status : Account charged off. {$4500.00} written off. {$4500.00} past due as of XXXX XXXX. Balance : {$4500.00} Date Reported : XXXX XXXX, XXXX Past Due Amount : {$4500.00} Remarks : CONSUMER STATEMENT LITIGATION PENDING. Payment Status : Collection/Chargeoff XXXX XXXXXXXX XXXX Account Number : XXXX Status : Account charged off/Never late. {$93.00} written off. {$93.00} past due as of XXXX XXXX. Balance : {$93.00} Date Reported : XXXX XXXX, XXXX Past Due Amount : {$93.00} Remarks : CONSUMER STATEMENT LITIGATION PENDING. Payment Status : Collection/Chargeoff These accounts were previously deleted following my disputes, as confirmed by responses to my complaints filed through the Consumer Financial Protection Bureau ( CFPB ). The complaint numbers and response dates are as follows : CFPB Complaint No. XXXX, confirming deletion of disputed items related to identity theft. CFPB Complaint No. XXXX, confirming deletion of disputed items related to identity theft. CFPB Complaint No. XXXX, confirming deletion of disputed items related to identity theft. I am formally challenging you to review your data on file for me. I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX compliance standards to ensure the accuracy of the information reported about me. I also request that you remove any and all false accounts from your records immediately. Only factually accurate, verified, and compliant data should be documented and included on my credit report from now on. Below is a summary of the data I am challenging : XXXX XXXX XXXX ) Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$1900.00} XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$1300.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$1000.00} XXXX XXXX ( XXXX XXXX Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number XXXX XXXX Account Status : Collection/ChargeOff Balance Owed : {$34000.00} XXXXXXXX XXXX XXXX ( XXXX ) Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$4500.00} XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$2400.00} XXXX XXXX ( XXXX ) Account Number : XXXX Account Status : Collection/ChargeOff Balance Owed : {$2400.00} I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681i ) and XXXX XXXX compliance standards to ensure the accuracy of the information reported about me. The following accounts and inquiries must be verified or deleted : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX, XXXX - Inquiry Date : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX Personal Information Corrections : Name : Please delete any names in your system that do not match XXXX XXXX XXXX. Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Please delete any addresses in your system that do not match this address. The information listed above has not been verified to meet compliance reporting standards or applicable consumer laws. I demand that this information be deleted immediately, as it is deficient. Experian 's reinsertion of these accounts without proper notification is not only a breach of my rights but also has a significant negative impact on my credit score and financial standing. I demand that these accounts be immediately deleted from my credit report. Failure to do so will leave me with no choice but to seek legal action to protect my rights. I am enclosing copies of the relevant documents, including previous dispute letters and responses from Experian confirming the deletions. I am keeping detailed records of all communications regarding this matter. Please investigate this issue promptly and confirm in writing that these negative items have been permanently removed from my credit report. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #8986729 about?
Complaint #8986729 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-05-11T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.