Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Thought for a couple of seconds To Whom It May Concern, Upon reviewing my credit report, I discovered that certain information being reported is inaccurate, inconsistent, incomplete, and/or misleading. The following items require immediate rectification and reinvestigation : XXXX XXXX Account Number : XXXX XXXX XXXX Reported With : TransUnion and Experian Reported Status : Derogatory / Collection-Chargeoff Reported Balance : {$300.00} Reported Past Due : {$300.00} Date Opened : XX/XX/XXXX on TransUnion / XX/XX/XXXX on Experian Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX on TransUnion / XX/XX/XXXX on Experian Date of Last Payment : XX/XX/XXXX This account is reporting inconsistent and questionable information across the credit bureaus. The date opened, date last active, high credit, and account comments do not appear to be reporting uniformly. The account is being reported as charged off, canceled by credit grantor, closed due to inactivity, and unpaid balance reported as a loss. I dispute the accuracy, completeness, and verification of this reporting and request that the furnisher provide documented proof supporting every reported field. XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Reported With : Experian Account Type : Installment / Family Support Account Status : Paid Reported Balance : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX This account is reporting as Paid with a {$0.00} balance and {$0.00} past due, yet it is still showing a negative payment status of Collection/Chargeoff and comments stating that the account was seriously past due or assigned to an attorney, collection agency, or internal collection department. This reporting is misleading because the current status shows paid with no balance owed. I dispute the accuracy and completeness of this negative reporting and request that the furnisher verify the basis for continuing to report this account in a derogatory manner. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported With : TransUnion and Experian Account Type : Revolving Credit Card Account Status : Derogatory Date Opened : XX/XX/XXXX on TransUnion / XX/XX/XXXX on Experian Balance : {$0.00} on TransUnion / {$5800.00} on Experian Past Due : {$0.00} on TransUnion / {$5800.00} on Experian Payment Status : Unknown on TransUnion / Collection-Chargeoff on Experian Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX on TransUnion / XX/XX/XXXX on Experian This account contains major inconsistencies between the credit bureaus. TransUnion reports a {$0.00} balance and {$0.00} past due, while Experian reports a {$5800.00} balance and {$5800.00} past due. TransUnion shows the payment status as Unknown, while Experian reports Collection/Chargeoff. The date opened and date last active are also inconsistent. Because the same account is reporting materially different information between bureaus, I dispute this account as inaccurate, incomplete, and improperly verified. XXXX XXXX XXXX Reported With : TransUnion and Experian Status : Dismissed Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX Reference Number : XXXX / XXXX Court : U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX Liability : {$0.00} Asset Amount : {$0.00} Exempt Amount : {$0.00} I dispute the accuracy, completeness, and verification of this dismissed bankruptcy reporting. I request that the reporting agencies and any data furnishers verify the source, method of verification, court documentation, and all identifying information used to report this public record. XXXX XXXX XXXX Reported With : TransUnion and Experian Status : Dismissed Date Filed/Reported : XX/XX/XXXX Closing Date : XX/XX/XXXX Reference Number : XXXX / XXXX Court : U.S. Bankruptcy Court / XXXX XXXX XXXX XXXX XXXX Liability : {$0.00} Asset Amount : {$0.00} Exempt Amount : {$0.00} I also dispute the accuracy, completeness, and verification of this dismissed bankruptcy reporting. I request that the reporting agencies verify the exact source of this information, the method used to confirm it, and whether the information is being reported with maximum possible accuracy. In accordance with the Fair Credit Reporting Act, I hereby request that all disputed items be investigated and corrected or removed from my consumer report. I understand that consumer reporting agencies and furnishers are required to conduct a reasonable investigation and verify disputed information with the corresponding creditor, furnisher, or public record source. Should any furnisher, creditor, or reporting agency fail to provide proper verification, documented proof, or a reasonable explanation supporting the accuracy and completeness of the disputed information, I request that the disputed information be deleted from my credit report. Pursuant to 15 U.S.C. 1681i ( a ), I expect a complete reinvestigation of these disputed items. Pursuant to 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation after receiving notice of a dispute, review all relevant information, and correct or delete information that is inaccurate, incomplete, or unverifiable. I am requesting that this investigation be completed within the required time period and that I receive written results of the investigation, including an updated copy of my credit report reflecting all corrections or deletions made. Additionally, I request that any party who received my credit report within the past six months be notified of any corrections made, as permitted under the Fair Credit Reporting Act. Requested Resolution I am requesting the following resolution : A complete reinvestigation of each disputed account and public record listed above. Written documentation showing how each item was verified. Correction of all inaccurate, incomplete, inconsistent, or misleading information. Deletion of any item that can not be fully verified with documentary evidence. Updated reporting to all applicable credit bureaus. Written confirmation once the corrections or deletions have been completed. I have made a good-faith effort to address these inaccuracies, and I am now requesting CFPB assistance because the information being reported is damaging, inconsistent, and not being reported with maximum possible accuracy.

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