Consumer complaint received 2025-06-02 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: CT

Complaint narrative:
I recently reviewed my credit report and notice accounts that was not reported accurately. In accordance with the Fair Credit Reporting Act. The list of accounts listed below voilated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX {$15000.00} Negative Account # XXXX Status Closed Credit Limit {$0.00} High Balance {$24000.00} Payment Amount {$0.00} Last Payment Term 62 Month ( s ) Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Charged off as bad debt Past Due {$0.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} XXXX  {$4800.00} Negative Account # XXXX Status Closed Credit Limit {$4000.00} High Balance {$4800.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Charged off as bad debt Past Due {$0.00} Worst Rating Remarks This account is incorrectly being reported as a charged off account with a balance due. 

XXXX XXXX {$6300.00} Negative Account # XXXX Status Closed Credit Limit {$5300.00} High Balance {$6300.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Charged off as bad debt Past Due {$0.00} This account is incorrectly being reported as a charged off account with a balance due. 

XXXX XXXX {$6300.00} Negative Account # XXXX Status Closed Credit Limit {$5000.00} High Balance {$6300.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Charged off as bad debt Past Due {$0.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 


XXXX XXXX {$37000.00} Negative Account # XXXX Status Closed Credit Limit {$0.00} High Balance {$40000.00} Payment Amount {$0.00} Last Payment Term 65 Month ( XXXX ) Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Charged off as bad debt Past Due {$0.00} This account is incorrectly being reported as a charged off account with a balance due. 

HAPPY MONEY {$0.00} Negative Account # XXXX Status Credit Limit {$0.00} High Balance {$24000.00} Payment Amount {$0.00} Last Payment Term 60 Month ( XXXX ) Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Charged off as bad debt Past Due {$0.00} XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 


XXXX XXXX {$0.00} Negative Account # XXXX Status Credit Limit {$7500.00} High Balance {$6500.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Charged off as bad debt Past Due {$0.00} XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 


XXXX XXXX {$6900.00} Negative Account # XXXX Status Closed Credit Limit {$10000.00} High Balance {$9000.00} Payment Amount {$70.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status 120 days past due Past Due {$0.00} Worst Rating 120 days late I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 



XXXX XXXX {$28000.00} Negative Account # XXXX Status Closed Credit Limit {$41000.00} High Balance {$30000.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Charged off as bad debt Past Due {$0.00} This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update FIGURELEND {$0.00} Negative Account # XXXX Status Closed Credit Limit {$0.00} High Balance {$49000.00} Payment Amount {$0.00} Last Payment Term 36 Month ( XXXX ) Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status Paid or paying as agreed Past Due {$0.00} Worst Rating 30 days late This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 



XXXX {$270000.00} Negative Account # XXXX Status Open Credit Limit {$0.00} High Balance {$280000.00} Payment Amount {$2500.00} Last Payment Term 360 Month ( XXXX ) Description Individual account Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status 30 days past due Past Due {$0.00} XXXX dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX {$16000.00} Negative Account # XXXX Status Closed Credit Limit {$0.00} High Balance {$18000.00} Payment Amount {$0.00} Last Payment Term 40 Month ( XXXX ) Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status 60 days past due Past Due {$0.00} Worst Rating 90 days late I dispute the missed payments and late payments on this account.. 

XXXX  XXXX {$59.00} Negative Suggested Account # XXXX Status Original XXXX XXXX  Creditor Type Collection services High Balance {$59.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


I looked at my Transunion report XXXX and noticed some things are incomplete and inaccurate. According to the fair credit reporting XXXX whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( i ) 5 They are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC1681 s-2 ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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