Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, MN. XXXX Subject : Dispute of Inaccurate Information Reported to Credit Bureaus - Account Number XXXX Dear XXXX XXXX XXXX XXXXXXXX, I am writing to dispute inaccurate information that your company has furnished to the major credit reporting agencies ( Equifax, Experian, and TransUnion ) regarding my account, specifically account number XXXX. 

According to my records and a recent credit report, this account, opened in XX/XX/XXXX and reportedly closed at the credit grantor 's request in XXXX, is being reported in a manner that I believe is inaccurate and should be deleted. The information furnished is misleading due to its age and status, and its continued reporting negatively impacts my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) requires furnishers of information, such as XXXX XXXX, to report complete and accurate information to consumer reporting agencies. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), 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. Furthermore, 15 U.S. Code 1681s-2 ( a ) ( 2 ) requires that if a furnisher determines that information furnished is not complete or accurate, they shall promptly notify the consumer reporting agency and provide corrections or additional information necessary to make the information complete and accurate, and shall not thereafter furnish information that remains not complete or accurate. 

Given that this account was closed in XXXX and the information appears to be outdated or inaccurate in its current representation, I request that XXXX XXXX conduct a thorough investigation into this matter. I assert that the continued reporting of this old account number XXXX, as it currently appears on my credit report, is inaccurate and does not accurately reflect the current status of my credit history accurately. 

Therefore, I request that XXXX XXXX XXXX XXXX cease furnishing this inaccurate information and request the deletion of account number XXXX from all credit bureaus ( Equifax, Experian, and TransUnion ). 

Additionally, I have observed that my credit reports contain multiple variations of my name. I request that XXXX XXXX XXXX XXXXXXXX, take necessary steps to ensure that only one accurate and complete name is associated with my credit information that you furnish to the credit bureaus. 

Please investigate this matter promptly and thoroughly. I expect that upon verification of the inaccuracy or the outdated nature of this information, you will request the deletion of this account from my credit reports and ensure my name is reported consistently and accurately.

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