Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/XXXX -- - To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX - Subject : Formal Dispute of Inaccurate Information and Notice of Negligent Noncompliance under 15 U.S. Code 1681o Demand for Resolution and Compensation To Whom It May Concern : I am formally disputing inaccurate and/or unverifiable information listed on my credit report, and notifying you that your continued failure to correct this information constitutes negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o. 

Despite prior attempts to dispute this information, you have failed to meet your obligations to conduct a reasonable investigation and to report only complete and accurate information. As a result, I have suffered measurable harm, including but not limited to [ briefly describe : e.g., denials of credit, increased interest rates, emotional distress, etc. ]. 

Disputed Item ( s ) : Months : XXXX Account Name DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Information Address XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Balance {$15000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$34000.00} Past Due {$15000.00} Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for 60 months Date Closed XX/XX/XXXX Estimated month and year this item will be removed XXXX/XXXX Remarks UNPAID BALANCE CHARGED OFF Menu I want to view : Personal Information Accounts Inquiries Credit Report Messages Additional Information Back Print or Save My Report Personal Credit Report for : XXXX XXXX File Number : XXXX Date Created : XX/XX/XXXX A quick heads up : Your credit score is not included with your TransUnion credit report.

Learn about your options to get your credit score. 

XXXX XXXX Your TransUnion Credit Report Found something inaccurate on your credit report?

Start a dispute online If you are experiencing a financial hardship related to a public health emergency or your personal circumstances, you can add a consumer statement to your credit file to explain your situation. 
Personal Information More Info + Credit Report Date XX/XX/XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX Name XXXX XXXX XXXX Also XXXX XXXX XXXX XXXX XXXX XXXX AKA XXXX XXXX AKA XXXX XXXX Addresses Current XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX Phone Numbers Phone Number ( XXXX ) XXXX Employers Employer XXXX XXXX Expand All Accounts Less Info - Typically , creditors report any changes made to your account information monthly. This means that some accounts listed below may not reflect the most recent activity until the creditor 's next reporting. This information may include things such as balances, payments, dates, remarks, ratings, etc. The rating key is provided to help you understand some of the account information that could be reported. Pay Status represents the current status of accounts and indicates how you are currently paying. For accounts that have been paid and closed, sold, or transferred, Pay Status represents the last reported status of the account. 

TransUnion is now including some Buy Now, Pay Later ( BNPL ) installment loans, also known as a " point-of-sale installment loans '' on credit reports. At this time, BNPL information provided to TransUnion is visible to you, but scoring providers, lenders, insurers or other authorized companies that may access your credit report will not be able to use this data. As a result, it will not affect credit decisions or credit scores calculated using TransUnion data. In the future, Buy Now, Pay Later may be factored in to credit scores and credit decisions ( for example, account opening or account review decisions ). Visit our FAQsopens in a new tab to learn more.

Accounts with Adverse Information Less Info- Adverse information typically remains on your credit file for up to 7 years from the date of the delinquency. To help you understand what is generally considered adverse, we have added >brackets< to those items in this report. For your protection, your account numbers have been partially masked, and in some cases scrambled.

Account Name DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF XXXX XXXX DEPT OF EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Satisfactory Accounts Less Info- The following accounts are reported with no adverse information. For your protection, your account numbers have been partially masked, and in some cases scrambled. Please note : Accounts are reported as " Current ; Paid or paying as agreed '' if paid within 30 days of the due date. Accounts reported as Current may still incur late fees or interest charges if not paid on or before the due date. 

Account XXXX XXXX. 
XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX OH XXXX Phone ( XXXX ) XXXX Monthly Payment {$420.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Balance {$11000.00} Date Updated XX/XX/XXXX Payment Received {$380.00} Last Payment Made XX/XX/XXXX Pay Status Current Account Terms {$420.00} per month, paid Bi-weekly for 60 months High Balance ( Hist. ) High balance of {$17000.00} from XX/XX/XXXX to XX/XX/XXXX Payment History Payment/Remarks Key Date : Balance : Past Due : Amount Paid : Scheduled Payment : Rating : XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance - - -No Data Past Due - - -No Data Amount Paid - - -No Data Scheduled Payment - - -No Data RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance {$12000.00} Past Due {$0.00} Amount Paid {$290.00} Scheduled Payment {$420.00} RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance {$12000.00} Past Due {$0.00} Amount Paid {$380.00} Scheduled Payment {$420.00} RatingOKCurrent, paying or paid as agreed XXXX XXXX Balance {$11000.00} Past Due {$0.00} Amount Paid {$380.00} Scheduled Payment {$420.00} RatingOKCurrent, paying or paid as agreed Total Months XXXX XXXX XXXX 
XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX OH XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Balance {$0.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$16000.00} Original Creditor XXXX XXXXXXXX XXXX Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Bi-weekly for 60 months Date Closed XX/XX/XXXX Remarks CLOSED Payment History Payment/Remarks Key Date : Rating : XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed XXXX XXXX XXXX, paying or paid as agreed Total Months : XXXX Inquiries Account Review Inquiries More Info + Name TRANSUNION XXXX XXXX  TRANSUNION XXXX XXXX  TRANSUNION INTERACTIVE / XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX via XXXX XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Preferences Message Center, you have 119 unread messages119 Your Equifax credit report As of XX/XX/XXXX Credit Report dateEquifax - XX/XX/XXXX Collections Report Date : XXXX XXXX, XXXX Collections are accounts with outstanding debt that have been placed by a creditor with a collection agency. Collections stay on your credit report for up to 7 years from the date the account first became past due. They generally have a negative impact on your credit scores. 

If you find information in your credit report that you believe is incomplete or inaccurate, you can file a dispute. 
Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$560.00} Amount {$560.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/XXXX -- - Legal Basis & Demand for Compensation : Under 15 U.S. Code 1681o, a consumer reporting agency that negligently fails to comply with its obligations is liable to the consumer for : Actual damages suffered ; Court costs and reasonable attorneys fees in the event of legal action.

In accordance with the statute and related legal precedent, if you do not resolve this dispute within 30 days, you may be liable for the following : {$1000.00} per negligent violation ( minimum statutory damages ) ; Actual damages incurred by me due to your failure to correct and report accurate information ; Additional damages should willful noncompliance be demonstrated under 1681n ; Legal fees and costs associated with any enforcement action I may pursue.

-- - Required Action : You are hereby requested to : 1. Immediately remove or correct the inaccu
rate account ( s ) listed above ; 2. Provide written confirmation of the results of your reinvestigation within 30 calendar days of receipt of this letter ; 3. Cease the reporting of any unverifiable, inaccurate, or outdated information.

Please find enclosed copies of all relevant documentation supporting my dispute, including proof of identity and supporting statements.

Should you fail to comply within the timeframe allowed by law, I will not hesitate to pursue legal remedies, including filing a complaint with the CFPB, FTC, and my State Attorney General, as well as initiating a civil action for damages. 

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