Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
ve sent in these thru mail and email. I have also tried to reach out to these companies, they only return my calls late at night while my kids are asleep, which disturbs them terribly. I am attaching the letters I have sent to them. This has been going on a while, also All of these accounts have been handled per creditor. Also under statue 15 USC 1681 C-2. I never authorized any of the XXXX to have my information for any reason as well. TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Credit Report Dispute and Consumer Statement Dear TransUnion Dispute Department, I am writing to dispute certain information appearing on my TransUnion credit report that I believe to be inaccurate or outdated. After reviewing my report, I have identified the following accounts that require correction or removal : XXXX. XXXX XXXX  Closed account as of XX/XX/XXXX. Please verify that the reported balance and payment history are accurate. Also, per my conversation with XXXXXXXX XXXX via telephone ( since they called all hours of the day and night ) this was to be taken off the credit report, and they were satisfied. Also, I never authorized TransUnion to have any of my information for monetization or any other purpose. XXXX. Capital XXXX Charged-off account from XXXX with a balance of {$300.00}. This account should no longer appear under the Fair Credit Reporting Acts XXXX-year limit. Please remove if still being reported. XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. The reported balance and credit limit appear inconsistent, resulting in an inflated utilization rate. Please verify and correct as needed. Per my conversation with XXXX XXXX this was taken care of and the creditor was satisfied. This is also a closed account. I kindly request this be removed. I have included a consumer statement that provides additional details for your review. I request that you investigate these items and provide me with an updated credit report within the XXXX timeframe allowed under the Fair Credit Reporting Act ( FCRA ). Please notify me in writing of your findings and include documentation supporting your determinations. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Credit Report Dispute and Consumer Statement Dear XXXX  XXXX Department, I am writing to formally dispute inaccurate or outdated information that appears on my Equifax credit report. I have carefully reviewed my credit file and identified the following accounts that require correction or review : XXXX. XXXXXXXX XXXX XXXX as of XX/XX/XXXX. This is a clear case of identity theft, I have not ever authorized you to have my information for monetization or any other purpose. I kindly ask this be removed from my report due to my conversation with XXXXXXXX XXXX, also per statement stated above. XXXX. XXXX XXXX Charged-off account from XXXX with a balance of {$300.00}. This account should have aged off my credit report under the XXXX XXXX XXXX Acts ( FCRA ) seven-year reporting period. I request its removal if it is still being reported. It should have never been added back. XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Please confirm the accuracy of the reported balance and credit limit, as the account appears to reflect an incorrect utilization rate. Also per my conversation with care this card was closed and the creditor was satisfied with it. I have attached a consumer statement summarizing the details of each account and my concerns regarding their accuracy. I respectfully request that you investigate these accounts and provide me with an updated credit report reflecting your findings within the XXXX period allowed under the FCRA. Please notify me in writing of the results of your investigation and provide documentation supporting your determinations. Thank you for your prompt attention to this matter. Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute and Consumer Statement Dear Experian Dispute Department, I am writing to dispute certain information on my Experian credit report that I believe to be inaccurate or outdated. Please review and verify the following accounts : XXXX. XXXXXXXX XXXX Closed account ( XX/XX/XXXX ). Please confirm that the reported balance and payment history are accurate and up to date. XXXX. XXXX XXXXXXXX Charged-off account from XXXX with a balance of {$300.00}. This account has exceeded the seven-year reporting period under the Fair Credit Reporting Act ( FCRA ) and should be removed. XXXX. XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX. The balance and credit limit appear incorrectly reported, showing an excessive utilization rate. Please investigate and correct as appropriate. A consumer statement is attached for additional context. I request that you investigate these accounts and update me with the results and a corrected credit report within the FCRAs XXXX investigation period. Please send written confirmation and supporting documentation once your review is complete. Thank you for your cooperation. Sincerely, XXXX XXXX I hope this was enough. I have wrote letters, this is my last resort and I hope you can help!

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