Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Misreporting of Paid Account ( XXXX XXXX XXXX XXXX ) To Whom It May Concern, I am formally disputing the inaccurate reporting of my XXXX XXXX XXXX XXXX account ( Acct. No. XXXX ) on my credit reports with Experian, Equifax, and TransUnion. 
As shown in the attached official correspondence from XXXX XXXX XXXX XXXX XXXX Department, dated XX/XX/XXXX, the account was paid in full and settled with a final payment of {$1500.00}, and no further collection activity will occur. The letter clearly states that XXXX XXXX will update the credit bureaus accordingly. 
However, despite this written confirmation, the account continues to be reported inaccurately and is not reflecting as Paid in Full with XXXX balance and no late payments. This is both misleading and damaging to my credit profile. 
This inaccurate reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( XXXX ) : FCRA XXXX ( b ) : Requires credit reporting agencies to ensure the maximum possible accuracy of all information reported. 
FCRA 1681i ( a ) : Mandates a reasonable reinvestigation of disputed information and timely correction or deletion of inaccurate or incomplete data.

FCRA 1681c-2 ( FACTA ) : Requires permanent correction or blocking of inaccurate or unverifiable information once supporting documentation is provided.

FCRA 1681i ( a ) ( 5 ) ( A ) : Requires deletion or modification of any inaccurate or unverifiable data within 30 days of receiving notice from the consumer. 
You are now in receipt of verifiable documentation from the original creditor ( XXXX XXXX XXXX XXXX ) proving that this account is satisfied in full, with no remaining balance or delinquencies. Therefore, you are legally required to immediately update and correct this tradeline across all reporting systems. 
I am demanding that you : Correct the status of this XXXX XXXX XXXX XXXX account to reflect Paid in Full / Settled {$0.00} Balance / No Late Payments. 
Provide written confirmation of these updates within 30 days. 
Ensure this correction is applied to all affiliated consumer databases and that no residual negative data remains. 
I am requesting that you act expeditiously on this matter as required by FCRA 611 ( 15 U.S.C. 1681i ). If the inaccurate reporting is not corrected within the statutory time frame, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for investigation and enforcement. 
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