Consumer complaint received 2025-11-26 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:
I am writing to formally dispute multiple inaccuracies on my credit reports under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and request a full reinvestigation and correction. First, regarding the late-closed account not reported on TransUnion, XXXX XXXX XXXX XXXX XXXX ( Balance {$5100.00} ) XXXX XXXX is missing entirely from my report. This account was properly closed in good standing, and its omission misrepresents my payment history, as well as my responsible management of revolving credit. Accurate reporting of closed accounts is essential for lenders to properly evaluate my financial reliability. Under FCRA 1681e ( b ), all information reported must be complete and accurate, and I request that this account be added with correct status, balance, and closure date to ensure that my credit report accurately reflects my financial history. 
Second, I am disputing several charge-off accounts reported in all three bureaus that contain inaccurate balances or dates, which misrepresent my creditworthiness. The charge-offs include XXXX XXXX XXXXXXXX XXXX XXXX ( Balance {$26000.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Balance {$5900.00} ), XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance {$3700.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Balance {$14000.00} ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Balance {$19000.00} ) * *. Each of these accounts has discrepancies in reported balances and last activity dates when compared to my verified statements and payment records. For instance, certain partial payments and settlements were made on these accounts but are not reflected in the reporting, giving lenders a misleading impression of delinquency. These inaccuracies can lead to higher interest rates, loan denials, or unnecessary financial stress, and they violate FCRA 1681i ( a ), which requires bureaus to conduct reasonable reinvestigations of disputed information. I request that each charge-off account be fully verified with the original creditor and corrected to reflect accurate balances, dates, and statuses. 
Finally, I am disputing several hard inquiries not reported on Equifax and TransUnion, which are critical to ensuring my credit report is complete. The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were authorized and initiated by me in connection with legitimate applications, yet their omission misrepresents my credit activity timeline. Accurate reporting of inquiries is essential for lenders and for tracking credit utilization patterns. Under FCRA 604 ( a ) ( 3 ), only authorized and accurate inquiries may be reported, and I request that each inquiry be verified and added to my Equifax and TransUnion reports with the correct dates and associated creditor information. Written confirmation of the results of your reinvestigation and updates to my credit file reflecting accurate reporting is requested.

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