Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : * * * * Equifax Information Services LLC * * XXXX XXXX XXXX XXXX  GA XXXX * * Experian * * XXXX XXXX XXXX XXXX, TX XXXX * * TransUnion LLC Consumer Dispute Center * * XXXX XXXX XXXXXXXX XXXX, PA XXXX * * Subject : * * Dispute of Fingerhut Account Reporting Grounds for Verification or Deletion Dear Credit Bureau Representative, I am writing to formally dispute the accuracy and completeness of the XXXX account currently reporting on my credit file. The account shows multiple discrepancies across Equifax, Experian, and TransUnion, which are * * inaccurate, inconsistent, and incomplete * *, in violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ( a ) ).

* * Account Details as Reported : * * | Bureau | Account Type | Status / Detail | Payment Status | High Balance | Comment / Note | | -- -- -- -- -- -- -- | -- -- -- -- -- -- | -- -- -- -- -- -- -- - | -- -- -- -- -- -- -- -- -- -- -- - | -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | | * * Equifax * * | Unknown | Negative | Unknown | XXXX | Account transferred or sold Bankruptcy XXXX XXXX | | * * Experian * * | Revolving | Charge Off | Collection / Charge Off | XXXX | Unpaid balance reported as loss debt Debt included in discharged bankruptcy | | * * TransUnion * * | Revolving | Charge Off | Unknown | 0 | Bankruptcy * * Discrepancies and Basis for Dispute * * 1. * * Inconsistent Data Between Bureaus : * * * Account type, high balance, payment status, and notes/comments differ across all three bureaus. 
* FCRA 607 ( b ) requires that all information be * * accurate and consistent * *.

2. * * Debt Included in Discharged Bankruptcy : * * * Experian reports {$1100.00} balance with Collection/Charge Off even though this debt was * * discharged in bankruptcy * *.

* Equifax and TransUnion show {$0.00} balance, but TransUnion lists payment status as Unknown.

* After a bankruptcy discharge, accounts must show * * {$0.00} balance * * and * * Discharged in bankruptcy * *.

* This is a violation of FCRA 607 ( b ) and FDCPA 807 ( 8 ).

3. * * Incomplete or Unverifiable Information : * * * Equifax and TransUnion list Payment Status as Unknown. 
* Experian shows a high balance inconsistent with the bankruptcy discharge.

* Comments/notes differ across all three bureaus.

* According to FCRA 611 ( a ) ( 1 ) ( A ), * * if information can not be verified, it must be corrected or deleted.

* * Requested Actions * * I am requesting that you : 1. * * Verify this account directly with XXXX * * regarding account type, status, high balance, payment history, and comments. 
2. * * Correct all fields * * to accurately reflect that this debt was * * included in discharged bankruptcy * *. 
XXXX. Deleted fully asap Sincerely, * * 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