Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN ( Last XXXX Digits ) : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Credit Information Permanent Deletion Required Re : Fair Credit Reporting Act ( 15 U.S.C. 16811681x ) To whom it may concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x. I am disputing inaccurate, unverifiable, and inconsistent accounts currently being reported on my credit file. These entries are materially incorrect and are damaging my financial profile. I am requesting the permanent deletion of the accounts listed below from all consumer reporting agencies. 

Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : Ending in XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXX Reported To : Experian, XXXX, TransUnion Issue : This account is reported as closed but continues to show a balance of {$6600.00}. There is no indication of whether the account was charged off, paid, settled, or transferred. The creditor name is inconsistently reported across the XXXX credit bureaus, indicating data inaccuracy. These issues make the account unverifiable and misleading. 

Violations : FCRA 1681e ( b ) : Incomplete and inaccurate account reporting FCRA 1681i ( a ) : Failure to reinvestigate upon dispute FCRA 1681s-2 ( b ) : Failure of furnisher to update or correct data FCRA 602 ( a ) : Unfair and harmful reporting practices Resolution Demanded : I am requesting the immediate and permanent deletion of this account from all credit reporting agencies. No corrections or partial updates are acceptable. Written confirmation of deletion is required within XXXX calendar days. 
XXXX XXXX XXXX XXXX Account Number : Not listed on credit report Balance : {$0.00} Date Opened : XX/XX/XXXX Reported To : Experian, XXXX, TransUnion Issue : This account is inconsistently reported. Experian lists it as a secured credit card, while XXXX  and TransUnion report it as a standard revolving account. Additionally, no account number is listed on the credit report, making the entry unverifiable. This inconsistency affects credit scoring models and violates the FCRAs accuracy and disclosure requirements. 

Violations : FCRA 1681e ( b ) : Inaccurate and inconsistent classification FCRA 1681g ( a ) : Failure to disclose complete account details FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable data Resolution Demanded : I request the permanent deletion of this account from all credit bureaus unless the creditor can provide full, original documentation verifying the classification. No corrections will be accepted. Written confirmation is required within XXXX calendar days. 

Documents Attached : Copy of government-issued photo ID Proof of current address ( utility bill or lease agreement ) Credit report screenshots highlighting the disputed accounts Adverse Impact Statement : The errors described above have caused and continue to cause material harm to my creditworthiness and financial stability, including : Denial of housing due to incorrect negative credit information Rejection for auto loans and credit card applications despite meeting financial qualifications Increased interest rates on approved credit due to suppressed credit scores Difficulty securing employment with companies that use credit history as part of background screening Inability to refinance or obtain affordable insurance and rental agreements These negative outcomes are the direct result of inaccurate and unverifiable information reported in violation of : FCRA 602 ( a ) : Right to accurate, fair, and privacy-respecting credit reporting FCRA 1681n : Right to damages for willful noncompliance FCRA 1681o : Right to recover actual damages for negligent noncompliance Final Demand : I am demanding the following : 1. Permanent deletion of all accounts listed above 2. Written confirmation of deletion within XXXX calendar days 3. No further reporting of these items unless fully verified with original signed contracts and complete payment records Failure to Comply : Failure to comply will result in the following actions : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) Complaints submitted to the Federal Trade Commission ( FTC ) and Better Business Bureau ( BBB ) Civil legal action under FCRA 1681n and 1681o for statutory, actual, and punitive damages, including attorneys fees Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX SSN ( Last XXXX Digits ) : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : 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