Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
Under 15 U.S. Code 1681e (b) Accuracy of 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 or unverifiable information (A) In general if, after any reinvestigation under paragraph (1) of any information disputed by the consumer, an item of the information is found to be in inaccurate or incomplete or cannot be verified, the consumer reporting agency shall -i) 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 information has been modified or deleted from the file of the consumer.

Please remove the following items from credit report, immediately:

	    Equifax	                             TransUnion	                                        Experian
                                                    Account Number
XXXX XXXX XXXX
                                                    Original Lender
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

Responsibility
Individual	Individual	Individual
Status

Payment after charge off/collection	Account legally paid in full for less than the full balance
Comments
Consumer disputes this account information,               Account paid for less than full balance,Paid collection	Settled-less than full balance	Account Paid In Full For Less Than Full Balance

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax	TransUnion	Experian
Last Updated XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status XXXX  Payment after charge off/collection
Paid account/was a charge-off
Worst Delinquency
XXXX  days past due	None Reported	Charge Off/Other Derog
BalancXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX
Payment Status
XXXX XXXX XXXX XXXX XXXX XXXX  Account legally paid in full for less than the full balance
Worst Delinquency
Bad debt/collection	None Reported	Charge Off/Other Derog
Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXayment after charge off/collection
Paid account/was a charge-off
Worst Delinquency
Bad debt/collection	None Reported	Charge Off/Other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax	TransUnion	Experian
Last Updated XXXX XXXX XXXX XXXX XXXX XXXX
Payment Status
Charge-off
Payment after charge off/collection
Account legally paid in full for less than the full balance
Worst Delinquency
Bad debt/collection	None Reported	Charge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Charged off as bad debt
Unpaid balance reported as a XXXX XXXX XXXX XXXX XXXX XXXX
Bad debt/collection	None Reported	Charge Off/Other Derog
BalancXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account as agreed
Paid or paying as agreed
Current account/was delinquent 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 - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent XXXX  days past due date
Worst Delinquency
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 Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pays account as agreed Paid or paying as agreed Paid account/was delinquent XXXX  days past due date
Worst Delinquency
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  delinquent
Balance
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent XXXX days past due date
Worst Delinquency
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX
Payment Status
Collection account
Collection account
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department
Worst Delinquency
Collection account	None Reported	Charge Off/Other Derog
Balance
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated XXXX XXXX XXXX XXXX XXXX XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent 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 Accounts - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent XXXX  days past due date
Worst Delinquency
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Installment) Accounts - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Installment) Accounts - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent XXXX  days past due date
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) Accounts - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent 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 Accounts - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent 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 Accounts - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent 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 Accounts - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent 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 (Installment) Accounts - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX  Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent 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 (Installment) Accounts - negative accounts - Summary
Equifax	TransUnion	Experian
Last Updated
XXXX XXXX XXXX XXXX XXXX XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent 90 days past due date
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 Summary
Equifax	TransUnion	Experian
Last 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 explanation