Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially misleading information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I am entitled to dispute any information that is inaccurate, incomplete, or unverifiable. I request an immediate investigation into the following items and their removal if found to be incorrect.

1. Incorrect/Negative Accounts Across All Three Reports : XXXX XXXX XXXXXXXX ( Account Ending in XXXX ) - Experian, Equifax, TransUnion Status : Paid in settlement / Charge-off. 

Experian : Charge-off with balance of {$6800.00}, last payment made XX/XX/XXXX. 

Equifax : Charge-off with balance of {$0.00}, last activity in XX/XX/XXXX. 

TransUnion : Charge-off, reported as settled for less than full balance.

Request : Pursuant to FCRA 1681i ( a ) ( 1 ) ( A ), please investigate and validate the accuracy of this information. If it can not be verified, I request its deletion per FCRA 1681c ( a ) ( 4 ).

Status : Paid in settlement / Charge-off.

Discrepancy : This account reports differently across bureaus and may contain incorrect derogatory information.

Request : Pursuant to FCRA 1681i ( a ) ( 1 ) ( A ), please investigate and validate the accuracy of this information. If it can not be verified, I request its deletion per FCRA 1681c ( a ) ( 4 ). 

XXXX XXXX ( Account Ending in XXXX ) - Experian, Equifax, TransUnion Status : Charge-off. 

Experian : Charge-off with balance of {$1700.00}, first delinquency reported XX/XX/XXXX. 

Equifax : Charge-off, balance of {$0.00}, paid for less than full balance.

TransUnion : Charge-off, previously in dispute but resolved by credit grantor.

Request : Under FCRA 1681c ( a ) ( 4 ), charge-offs must be removed after seven years from the date of first delinquency. Please ensure this item is scheduled for timely removal. 

Status : Charge-off. 

First delinquency : XXXX ( potential outdated reporting ). 

Request : Under FCRA 1681c ( a ) ( 4 ), charge-offs must be removed after seven years from the date of first delinquency. Please ensure this item is scheduled for timely removal. 

XXXX XXXX XXXXXXXX XXXX - Experian, Equifax, TransUnion Status : XXXX late payments ( XX/XX/XXXX, XX/XX/XXXX ). 

Experian : Late payments reported for XX/XX/XXXX and XX/XX/XXXX, balance of {$380000.00}. 

Equifax : Reports high balance of {$390000.00}, late payments noted.

TransUnion : Reports inconsistencies in payment records.

Request : Under FCRA 1681s-2 ( a ) ( 1 ) ( B ), furnishers are required to report accurate information. Please verify payment records and correct any reporting errors. 

Status : XXXX late payments ( XX/XX/XXXX, XX/XX/XXXX ). 

Request : Under FCRA 1681s-2 ( a ) ( 1 ) ( B ), furnishers are required to report accurate information. Please verify payment records and correct any reporting errors.

2. Personal Information Discrepancies and Inquiry Disputes : Multiple variations of my name appear across different reports. Under FCRA 1681i ( a ) ( 1 ) ( A ), please consolidate and correct my name to XXXX XXXX XXXX XXXX. 

Several outdated addresses are listed. Kindly remove any address that is no longer associated with my current residence per FCRA 1681c ( a ) ( 5 ).


3. Unauthorized or Inaccurate Inquiries : I have identified several inquiries on my credit report that I did not authorize. Under FCRA 1681b ( a ), credit inquiries must have a permissible purpose. If any of the inquiries listed on my report were made without my consent, I request their removal under FCRA 1681i ( a ) ( 1 ) ( A ). Please provide documentation proving I authorized these inquiries ; otherwise, they must be deleted as required by law.

Legal Basis for Request As per FCRA 1681i, I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. The credit bureau must complete its investigation within 30 days and notify me of the results. If the disputed information can not be verified, I request that it be deleted in accordance with FCRA 1681i ( a ) ( 5 ) ( A ).

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