Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I am filing a complaint regarding inaccurate and unfair negative reporting on my credit report across all three major credit bureaus : TransUnion, Experian, and Equifax. Below is a list of derogatory accounts that I am disputing due to inaccuracies, errors, or unfair reporting. I request that these items be investigated and either verified with proper documentation or removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

TransUnion ( XXXX Negative Accounts ) XXXX. XXXX  XXXX Charged off as bad debt ( {$770.00} ). This account was reported inaccurately, and I request verification or removal. 
XXXX XXXX XXXX ( Auto Loan ) Collection/Charge-off ( {$3200.00} ). This account is being reported incorrectly, and I request a full investigation into its accuracy. 
XXXX. XXXX XXXX Collection/Charge-off ( {$25000.00} ). I dispute the legitimacy of this negative mark and request proper documentation or removal. 
XXXX. XXXX ( Collection ) Collection/Charge-off ( {$2700.00} ). This account is being reported unfairly and needs to be verified or removed. 
XXXX XXXX XXXX ( XXXX XXXX ) Paid Collection ( {$61.00} ). Paid collections should not negatively impact my credit score. I request its removal. 
XXXX XXXX XXXX Closed account due to inactivity. This account should not negatively affect my credit, and I request a review of its impact. 

XXXX ( XXXX Negative Accounts ) XXXX XXXX XXXX Charged off as bad debt ( {$770.00} ). This account contains reporting errors and should be reviewed for accuracy or removed. 
XXXX XXXX XXXX ( Auto Loan ) Collection/Charge-off ( {$3200.00} ). I dispute the accuracy of this charge-off and request verification. 
XXXX. XXXX XXXX Collection/Charge-off ( {$25000.00} ). This account was reported inaccurately, and I request supporting documentation or removal. 
XXXX. XXXX ( Collection ) Collection/Charge-off ( {$2700.00} ). This collection is inaccurate, and I request it be investigated or removed. 
XXXX XXXX XXXX ( XXXX XXXX ) Paid Collection ( {$61.00} ). Since this debt has been paid, I request it be removed from my report. 
XXXX XXXX XXXX Closed account due to inactivity. This account should not negatively impact my score, and I request a review. 

Equifax ( XXXX Negative Accounts ) XXXX XXXX XXXXXXXX Charged off as bad debt ( {$770.00} ). I dispute this account as inaccurate and request proper verification or deletion. 
XXXX XXXX XXXX  ( Auto Loan ) Collection/Charge-off ( {$3200.00} ). This account was unfairly reported, and I request an investigation into its accuracy. 
XXXX. XXXX XXXX Collection/Charge-off ( {$25000.00} ). I request proper documentation proving this debt is accurate or removal from my report. 
XXXX. XXXX ( Collection ) Collection/Charge-off ( {$2700.00} ). I dispute the legitimacy of this collection account and request its removal. 
XXXX XXXX XXXX ( XXXX XXXX ) Paid Collection ( {$61.00} ). Since this collection has been paid, I request its removal from my report. 

I believe these accounts contain errors, are outdated, or are unfairly affecting my credit profile. I am requesting a full investigation and removal of any unverifiable or inaccurate information. 

Thank you for your prompt attention to this matter.

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