Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
XX/XX/XXXX Dear CFPB, I am filing this urgent dispute against TransUnion, XXXX, and XXXX for their continued failure to properly report and remove the XXXX XXXX XXXX  account, despite multiple disputes.

I demand that this account be removed from my credit report within 10 business days, as it contains severe inaccuracies, consumer privacy violations, and credit card reporting violations that directly violate federal laws.

Account Information : Creditor XXXX XXXX XXXX XXXXXXXX Account Type : Secured Credit Card Reported Balance : {$150.00} Credit Limit : {$300.00} Date Opened : XX/XX/XXXX Current Status : Charge-Off Remarks : Profit and Loss Write-Off, Account Closed by Credit Grantor Violations and Issues Identified : 1. Inaccurate Reporting of a Secured Credit Card Debt ( Violation of 15 U.S.C. 1681e ( b ) ) The reported debt amount exceeds the secured deposit, which is unlawful under consumer credit laws.

Secured credit cards are not meant to leave an unpaid balance beyond the collateral amount, making the charge-off status both inaccurate and misleading.

Under 15 U.S.C. 1681e ( b ), credit bureaus must ensure maximum possible accuracy in consumer reports. By allowing this inaccurate charge-off to remain, all three credit bureaus are violating federal law. 


2. Illegal Credit Card Reporting Practices ( Violation of the Truth in Lending Act 15 U.S.C. 1601 et seq. ) The Truth in Lending Act ( TILA ) regulates how lenders report credit accounts. Reporting a charge-off on a secured credit card that should have been settled using the deposit is a misrepresentation of the account 's structure. 

XXXX XXXX XXXXXXXX failed to properly apply the secured funds to resolve the debt, violating consumer lending protections. 


3. Failure to Correct Previously Disputed Information ( Violation of 15 U.S.C. 1681i ( a ) ) I have disputed this account multiple times across all three credit bureaus, yet it remains inaccurately reported.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), credit bureaus must correct or delete information that can not be verified within 30 days. This has not been done. 


4. Privacy Violations Reporting Without Consent ( Violation of 15 U.S.C. 1681b ) This account was closed by XXXX XXXX XXXXXXXX, yet it continues to be reported, violating consumer privacy protections. 

Under 15 U.S.C. 1681b, a credit bureau must have permissible purpose to furnish a consumer report. Continuing to report an account that has been closed without an outstanding balance is a misuse of my consumer data. 


5. Unlawful Charge-Off Reporting ( Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) If XXXX XXXX XXXXXXXX considers this debt written off, the reporting should reflect a {$0.00} balance instead of showing a charge-off with an unpaid amount. 

The credit bureaus are falsely reporting this account as an active delinquency, misleading future creditors.

Demands for Immediate Action ( Within 10 Business Days ) Given the repeated failure to correct these violations, I demand the following immediate corrective actions : 1. Permanent deletion of the XXXX XXXX XXXX account from my credit report across TransUnion, XXXX, and XXXX. 


2. Immediate removal of any negative remarks related to this account.

3. Written confirmation from all three bureaus that this account has been deleted within 10 business days.

4. A full investigation into why this inaccurate information has been allowed to remain despite multiple disputes. 



Next Steps if the CFPB Fails to Enforce Compliance If this issue is not corrected within 10 business days, I will escalate this matter by : 1. Filing a complaint with the Internal Attorney General to investigate credit bureaus ' continued negligence and violations of federal law.

2. Taking legal action against TransUnion, XXXX, XXXX, and XXXX XXXX XXXXXXXX under 15 U.S.C. 1681n, seeking damages for willful violations.

3. Filing a formal complaint with the Federal Trade Commission ( FTC ) to investigate consumer rights violations and illegal reporting practices.

Conclusion This is not the first time I have had to dispute this account. XXXX XXXX XXXX, TransUnion, XXXX, and XXXX have all continuously violated my consumer rights by refusing to properly correct their records. 

The FCRA, Truth in Lending Act, and consumer privacy laws are clearthis account should not be reported in its current state. I expect the CFPB to enforce compliance and ensure these credit bureaus follow federal law. 

Please confirm receipt of this complaint and provide updates on how the CFPB intends to ensure this account is permanently deleted from my report. 

Sincerely, 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