Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
TransUnion Credit Dispute Letters XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Inaccurate and Unverifiable Credit Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am writing to dispute inaccurate and unverifiable information appearing on my TransUnion credit report. This letter is a formal notice under the Fair Credit Reporting Act ( FCRA ) 602A, 609 ( a ), 611, and 623, and the Fair Debt Collection Practices Act ( FDCPA ) 807. You are required by law to conduct a reinvestigation of each disputed account and remove or correct any information that can not be fully verified as accurate and complete. 

Below are the disputed accounts and the reasons for dispute : XXXX XXXX XXXX NY ( Case # XXXX and # XXXX ) These dismissed XXXX XXXX bankruptcy filings are inaccurately reporting as negative public records. Under FCRA 605 ( a ) ( 1 ), dismissed bankruptcies older than seven years must be removed. I demand immediate deletion as these records are unverifiable and cause undue harm. 
XXXX XXXX XXXX XXXX XXXX ) {$380.00} This collection is not recognized and has not been validated with proper documentation from the original creditor. Under FCRA 609 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ), I request validation and deletion of this unverifiable account. 
XXXX XXXX XXXX XXXX Card ( {$450.00} ) This account shows as a factoring company collection, but I have never entered into any agreement with XXXX XXXX As required by FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ), furnish verification from the original creditor or delete this entry. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( {$270.00} ) This entry duplicates other accounts and lacks verification. LVNV has a history of reporting unverifiable debt. Under FCRA 611 ( a ) ( 5 ) ( A ), this must be deleted unless full validation is provided. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) {$860.00} This debt is inaccurate and likely time-barred. Provide full proof of contract, payment history, and assignment of rights. Failure to provide this documentation within 30 days violates FCRA 611 and FDCPA 809 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$500.00} This collection is unverifiable and does not match any XXXX XXXX account. Under FCRA 609 ( a ) ( 1 ) ( A ), I demand complete verification or immediate removal. 
XXXX XXXXXXXX XXXX  {$1100.00} This account is reporting as charged off but continues to report balance activity long after closure. Such reporting is inaccurate under FCRA 623 ( a ) ( 1 ) ( A ). Please delete or correct this listing. 
XXXX XXXX {$490.00} This charge-off is invalid as payments were made prior to charge-off reporting. Under FCRA 611 ( a ) ( 1 ), I request reinvestigation and correction of this error. 
Division of Child Support Enforcement ( multiple listings ) There are multiple duplicate accounts reporting inconsistent payment histories. This creates a misleading representation of my creditworthiness under FCRA 602A and must be corrected or removed. 

Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to complete your reinvestigation within 30 days and provide written results. If any of the disputed information can not be verified as 100 % accurate, it must be deleted immediately. 

Please send all correspondence regarding this dispute to my address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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