Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, XXXX, ZIP Code ] [ Date ] Consumer Financial Protection Bureau P.O. Box 27170 Washington , DC 20038 Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Repeated Unresolved Disputes Dear CFPB Representative, I am submitting this formal complaint because I have disputed the same inaccurate information on my credit report four times with the credit bureaus, yet the errors remain unresolved. The continued reporting of these inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items and correct or delete any information found to be inaccurate or unverifiable. 
Negative Items in Dispute The following accounts continue to appear inaccurately on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Currently listed as Collection/Charge-Off with derogatory remarks. 
Balance : {$16000.00}, with the full amount reported as past due. 
This reporting is inaccurate because GAP insurance paid off the vehicle. 
I do not want this account deleted. I am requesting that all late payments and derogatory notations be removed, and the account be reported accurately as paid/closed in good standing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed as Collection/Charge-Off with derogatory remarks. 
Balance : {$6800.00}, showing multiple late payments and write-off comments. 
This account contains inaccurate reporting and must be deleted. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Listed as Collection/Charge-Off, balance {$2500.00}. 
Already marked with Consumer disputes this account information, yet the inaccurate derogatory status remains. This account must be removed as required under FCRA.

FCRA 1681i ( a ) Requires that consumer reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days.

FCRA 1681e ( b ) Mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of credit information.

FCRA 1681s-2 ( b ) Furnishers of information must investigate disputes and correct or delete inaccurate information.

The repeated failure to correct these inaccuracies after four disputes demonstrates noncompliance with federal law. These errors have caused damage to my creditworthiness and have impeded my ability to obtain fair credit opportunities.

Requested Resolution Remove all inaccurate late payments and derogatory notations from the GF account and report it correctly as paid/closed in good standing. 
Permanently delete inaccurate reporting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Ensure all three major credit bureaus ( TransUnion, Experian, Equifax ) reflect these corrections. 
I am requesting the CFPB to intervene and ensure these accounts are corrected in full compliance with the FCRA. Please include this complaint in my CFPB consumer file. 
Thank you for your attention and prompt handling of 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