Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9087584
Complaint Overview
Complaint ID: 9087584
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: Account information incorrect
State: Florida
ZIP Code: 33322
Date Received: 2024-05-23T12:00:00-05:00
Date Sent to Company: 2024-05-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX RE : Immediate Removal of Inaccurate XXXX XXXX Account Information Dear Experian, This letter is to formally dispute inaccurate information on my credit report regarding an XXXX XXXX account previously identified by a scrambled account number ( XXXX ). Dispute and Violation of FCRA : According to my Experian credit report, an XXXX XXXX ( XXXX ) account appears with inaccurate and unverifiable information. I have received recent correspondence from XXXX XXXX ( attached ) dated XX/XX/XXXX, clarifying the account details. Here 's the discrepancy : Experian Credit Report : Lists an XXXX account ( XXXX ) XXXX XXXX Response : The letter from XXXX XXXX identifies the account as a XXXX XXXX XXXX ending in XXXX and confirms it was charged-off, not closed as reflected on my credit report. This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b ( 2 ), which mandates accurate and verifiable information on credit reports. Demand for Removal : Given XXXX XXXXXXXX XXXX confirmation and the discrepancies identified, I demand the immediate removal of this inaccurate XXXX account from my Experian credit report. Furthermore, I am aware that the FCRA allows for a potential fine of up to {$1000.00} per violation. Considering you have verified this account information on three separate occasions ( attach copies if applicable ), the potential total fine could be {$3000.00}. Request for Verification and Update : To ensure accurate reporting moving forward, I request Experian to : Immediately remove the inaccurate XXXX account number ( XXXX ) from my credit report. XXXX XXXX XXXX to verify the current status and details of the XXXX XXXX XXXX ending in XXXX ( if applicable ). Update my credit report with any verified, accurate information from XXXX XXXX. Documentation : I have attached a copy of the correspondence from XXXX XXXX ( dated XX/XX/XXXX ) for your reference. I expect a prompt resolution to this matter. Please confirm the removal of the inaccurate information and any updates made to my credit report within 30 days. Thank you for your time and attention to this urgent issue. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #9087584 about?
Complaint #9087584 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 2024-05-23T12:00:00-05:00.
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.