Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following inaccurate item listed on my TransUnion credit report, dated XX/XX/XXXX : Creditor : XXXX XXXX XXXX Type : Collection/Charge-Off Balance : {$0.00} Status : Closed This account is reported as a collection account, yet I have no recollection of authorizing such an account or having any outstanding obligations with XXXX. I am requesting that you verify the accuracy of this information in compliance with the Fair Credit Reporting Act ( FCRA ). 

If the account can not be verified with appropriate documentation from the furnisher, I request that it be removed from my credit report immediately. 

I have included a copy of my ID and a utility bill for identity confirmation. 

Thank you for your time and attention. Please respond with the results of your investigation within the required XXXX timeframe. 

Sincerely, XXXX XXXX [ Signature ] 2. Dispute Letter XXXX XXXX Subject : Dispute of Inaccurate Collection XXXX XXXX To Whom It May Concern, This letter is to dispute the following collection account listed in my TransUnion credit report : Creditor : XXXX XXXX Type : Collection/Charge-Off Balance : {$0.00} Status : Closed I have no record of an account with XXXX XXXX, nor have XXXX authorized any such transaction. Under FCRA guidelines, I am requesting that this account be investigated and removed if it can not be properly validated. 

Please confirm the deletion or correction of this item in writing. 

Sincerely, XXXX XXXX XXXX. Dispute Letter Credit Collection Servic Subject : Request for Deletion of Paid Collection Credit Collection Servic To Whom It May Concern, I am requesting the removal of the following paid collection from my TransUnion report : Creditor : XXXX XXXX XXXX  Original Creditor : ( Likely XXXX XXXX XXXX ) Balance : {$0.00} Status : XXXX XXXX  Since this debt has been paid in full and is no longer active, I am kindly requesting a goodwill deletion or removal based on the outdated status and negative impact it continues to have on my report. 

If the debt has been settled, it should no longer be marked as derogatory. Please confirm in writing the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Account XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute an account listed in my TransUnion credit report dated XX/XX/XXXX. The details of the account are as follows : Creditor Name : XXXX XXXX XXXX Account Type : Credit Card Balance : {$1000.00} Date Opened : XX/XX/XXXX Status : Current I am unaware of this account and do not recall applying for or authorizing any credit with XXXX  or XXXX. As this may be a case of identity theft or reporting error, I am requesting an immediate investigation as required by the Fair Credit Reporting Act ( FCRA ). 

Please : Verify the source of this account and provide documentation proving it was opened with my consent ; Remove this account from my credit report if it can not be properly validated. 

Enclosed are copies of my government-issued ID and proof of address to support this dispute. I request written confirmation of your findings and any actions taken. 

Thank you for your timely attention to this matter. 

Sincerely, XXXX XXXX [ Signature if printed ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Account XXXXXXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute an account listed in my TransUnion credit report dated XX/XX/XXXX. The details of the account are as follows : Creditor Name : XXXX XXXX XXXX Account Type : Credit Card Balance : {$1000.00} Date Opened : XX/XX/XXXX Status : Current I am unaware of this account and do not recall applying for or authorizing any credit with XXXX  or XXXX. As this may be a case of identity theft or reporting error, I am requesting an immediate investigation as required by the Fair Credit Reporting Act ( FCRA ). 

Please : Verify the source of this account and provide documentation proving it was opened with my consent ; Remove this account from my credit report if it can not be properly validated. 

Enclosed are copies of my government-issued ID and proof of address to support this dispute. I request written confirmation of your findings and any actions taken. 

Thank you for your timely attention to this matter. 

Sincerely, XXXX XXXX [ Signature if printed ] XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Account XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute an account listed in my TransUnion credit report dated XX/XX/XXXX. The details of the account are as follows : Creditor Name : XXXX XXXX XXXX Account Type : Credit Card Balance : {$1000.00} Date Opened : XX/XX/XXXX Status : Current I am unaware of this account and do not recall applying for or authorizing any credit with XXXX  or XXXX. As this may be a case of identity theft or reporting error, I am requesting an immediate investigation as required by the Fair Credit Reporting Act ( FCRA ). 

Please : Verify the source of this account and provide documentation proving it was opened with my consent ; Remove this account from my credit report if it can not be properly validated. 

Enclosed are copies of my government-issued ID and proof of address to support this dispute. I request written confirmation of your findings and any actions taken. 

Thank you for your timely attention to this matter. 

Sincerely, XXXX XXXX [ Signature if printed ]

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