Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
b'Equifax Information Services, LLCXXXX XXXX XXXX GA XXXXORXXXXExperian\nXXXX XXXX XXXX  TX XXXXORXXXXTransUnion LLC\XXXX XXXX XXXX PA XXXXXXXXSubject: Dispute of Inaccurate and Outdated Information on Credit Report\n\nTo Whom It May Concern,\n\nI am writing to formally dispute several items on my credit report. I have enclosed a copy of my credit report and copies of my identification for verification purposes.\n\nThe Fair Credit Reporting Act (FCRA) mandates that consumer reporting agencies maintain an accurate and complete file. As part of this responsibility, you are required to perform a reasonable investigation and discovery to verify the accuracy and completeness of all reported information. This includes ensuring that accounts are not reported beyond their legal time limits and that all inquiries are tied to a permissible purpose.\n\nI believe the following accounts are too old to be legally reported on my credit file. Under the FCRA, specifically 15 U.S.C.  1681c (a)(4), negative information, including "charged-off" accounts, cannot be reported for more than seven years from the date of the original delinquency. The continued reporting of such accounts is a violation of the requirement for an accurate and complete fileXXXX XXXX XXXX Account: The images show two XXXX  accounts, both of which appear to have been opened in late XXXX  and late XXXX. As the last activity on these accounts was several years ago and they are listed as "Closed," I am disputing their continued presence on my report as being beyond the seven-year reporting period for closed accounts with negative information, including if they were charged off.\n   * Account Name: XXXX XXXX  Account Number: XXXX XXXX  Date OpenedXXXX XXXX XXXX XXXX (or XXXX XXXX XXXX XXXX Reason for Dispute: Account is too old and should be removed under FCRA  605.\n * Auto Loans: The images show two auto loans that were opened in XXXX. As these accounts are paid in full and listed as "Closed," their continued reporting as a positive item is not an issue, but any negative information associated with them, such as a charged-off status, would be considered outdated. I am requesting a review to ensure there is no outdated negative information.\n   * Account Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number: XXXX XXXX  Date Opened: XXXX XXXX XXXX XXXX Reason for Dispute: Requesting review to ensure no outdated negative information remains on the report, as per FCRA  605.\n   * Account Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number: XXXXXXXX XXXX  Date Opened: XXXX XXXX XXXXXXXX XXXX Reason for Dispute: Requesting review to ensure no outdated negative information remains on the report, as per FCRA  605.\n\nI am also disputing several inquiries that are not tied to any accounts that I opened. The Fair Credit Reporting Act (FCRA) requires that credit reports be accurate and complete. Under federal law, specifically 15 U.S.C.  1681b, a consumer report may only be furnished for a specific, permissible purpose. When a hard inquiry is placed on a report but no account is opened, it suggests a lack of permissible purpose or an error in reporting, which violates the requirement for accurate and complete information under 15 U.S.C.  1681i. The presence of these inquiries is therefore inaccurate and misleadingXXXX XXXX XXXX XXXX  Inquiry:\n   * Business NameXXXX XXXX XXXX XXXX  Date of Inquiry: XXXX XXXX XXXX XXXX Reason for Dispute: This inquiry is not tied to an account I opened and appears to be in error or unauthorized, lacking a permissible purpose. Its presence on my file is inaccurate and violates the FCRA\'s standards for a complete and accurate report. I request it be removed under 15 U.S.C.  1681b and FCRA  611XXXX XXXX XXXX XXXX XXXX XXXX InquiryXXXX XXXX  Business Name: XXXX XXXX XXXX XXXX XXXX Date of Inquiry: XXXX XXXX XXXX XXXX Reason for Dispute: This inquiry is not tied to an account I opened and appears to be in error or unauthorized, lacking a permissible purpose. Its presence on my file is inaccurate and violates the FCRA\'s standards for a complete and accurate report. I request it be removed under 15 U.S.C.  1681b and FCRA  611.XXXX XXXX XXXX InquiryXXXX XXXX Business Name: XXXX XXXX Date of Inquiry: [Insert Date]\n   * Reason for Dispute: This inquiry is not tied to an account I opened and appears to be in error or unauthorized, lacking a permissible purpose. Its presence on my file is inaccurate and violates the FCRA\'s standards for a complete and accurate report. I request it be removed under 15 U.S.C.  1681b and FCRA  611.\n\nI request that you conduct a thorough investigation and discovery into these matters and remove the disputed items if they are found to be inaccurate, outdated, or improperly reported. Please provide me with the results of your investigation, including the name and address of any furnisher of the disputed information.\n\nMy rights as a consumer are protected by the Fair Credit Reporting Act (FCRA), and I expect a full and prompt investigation as required by law, specifically FCRA  611.\nThank you for your prompt attention to this matter.\n\nSincerelyXXXX XXXX XXXX \nSSN:XXXXBD:XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX 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