Consumer complaint received 2025-12-08 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: TN

Complaint narrative:
Negative accounts shown on this report appear to be delinquent accounts. The summary shows Delinquent. XXXX across TransUnion, Experian, and Equifax, with Derogatory. XXXX and XXXX. XXXX. 
Requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline Accounts on file with names and numbers. 
XXXX. XXXX  XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX  on TransUnion. Account # XXXXXXXX XXXX XXXX XXXX XXXX  on Experian and Equifax. 
XXXX. XXXX. Account # XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX. Account # XXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX. Account # XXXX XXXX XXXX XXXX XXXX 

Based on the delinquent count of 2, two of the accounts above are likely being reported with late or delinquent status on each bureau. This export does not clearly label which two in plain text.

Hard inquiries listed with company and date.

Recent. 
XXXX. XXXX XXXX. XX/XX/XXXX. TransUnion. 
XXXX. XXXX. XX/XX/XXXX. Equifax. 
XXXX. XXXX XXXX  XXXX. XX/XX/XXXX. Equifax. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Experian. 

Auto cluster on XX/XX/XXXX. 
XXXX. XXXX. XX/XX/XXXX. Equifax. 
XXXX. XXXX. XX/XX/XXXX. Equifax. 
XXXX. XXXX XXXX. XX/XX/XXXX. Equifax. 
XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/XXXX. Experian. 
XXXX. XXXX XXXX. XX/XX/XXXX. Experian. 
XXXX. XXXX XXXX. XX/XX/XXXX. Experian. 
XXXX. XXXX XXXX. Variants appear on XX/XX/XXXX on Equifax, Experian, and TransUnion. 

Other card and bank inquiries around XX/XX/XXXX to XX/XX/XXXX appear in the inquiry table, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX. 

Complaint and dispute letter draft. 

Date. XX/XX/XXXX XXXX. TransUnion, Experian, Equifax Subject. Dispute of inaccurate delinquent reporting and unauthorized hard inquiries I am writing to dispute inaccurate information on my credit file. Your summary indicates XXXX delinquent accounts reported on each bureau, while derogatory and collection counts show XXXX. 
I request a full investigation and deletion or correction of any account and inquiry that I did not authorize or that is being reported inaccurately. 

Accounts to investigate and correct. 
XXXX. XXXX  XXXX. Account # XXXXXXXX XXXX XXXX XXXX XXXX on TransUnion. Account # XXXXXXXX XXXX XXXX XXXX XXXX  on Experian and Equifax. 
If this account is reporting late or delinquent status and that status is inaccurate, please remove the delinquency and update to accurate payment history. 
XXXX. XXXX. Account # XXXX XXXX XXXX XXXX XXXX 
If any late or delinquent status is reporting inaccurately, please correct or delete. 
XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX 
If any adverse status is reporting inaccurately, please correct or delete. 
XXXX. XXXX. Account # XXXX XXXX XXXX XXXX XXXX 
If any adverse status is reporting inaccurately, please correct or delete. 

Hard inquiries to investigate. 
XXXX. XXXX XXXX. XX/XX/XXXX. TransUnion. 
XXXX. XXXX. XX/XX/XXXX. Equifax. 
XXXXXXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX. Equifax. 
XXXXXXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX. Experian. 
XXXX. The cluster of auto related inquiries dated XX/XX/XXXX across bureaus. Including XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX name variants. 
unless you can produce proof of permissible purpose tied to my signed application I did not authorize any inquiry that is not tied to a signed application. Please remove any inquiry you can not verify with permissible purpose documentation.I also dispute the validity and accuracy of the alleged debts tied to the accounts listed above. 

For each account : I dispute the amount owed, payment history, and delinquency reporting. 
If any balance is inaccurate or not mine, I request correction or deletion. 
If the furnisher or bureau can not verify the debt with complete account records, including original agreement and full payment history, I request deletion of the tradeline. 

Please send me the results of your investigation and an updated copy of my credit report. 

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