Consumer complaint received 2025-05-02 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX SSN : XXXX Consumer Financial Protection Bureau P.O . Box 27170 Washington, D.C. 20038 Subject : Dispute of Negative Account on Credit Report XXXX Request for Investigation Dear Sir/Madam , I am writing to formally dispute inaccurate information on my credit report as provided by TransUnion, regarding the following accounts. I believe that the information reported violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Below, I have outlined the accounts in question and the specific legal violations I believe apply to each : XXXX. XXXX XXXX  ( Charge-Off - {$8500.00} ) Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Charge-Off through XX/XX/XXXX Disputed Violation : FCRA 609 ( a ) ( 1 ) : I am requesting that XXXX XXXX  provide full documentation proving the debt, including a signed contract or wet signature. 

FCRA 623 ( a ) ( 1 ) ( A ) : The balance, dates, or remarks reported for this account appear inconsistent across the credit bureaus. This may be a violation of the FCRA.

FCRA 611 ( a ) : Since this account has not been verified accurately within 30 days, I am requesting that it be deleted from my credit report.

Dispute Request : Please investigate and provide the necessary documentation proving the accuracy of this account, including the original signed contract. If not, please ensure the account is deleted from my credit file. 

XXXX. XXXX XXXX ( Charge-Off - {$19000.00} ) Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Charge-Off through XX/XX/XXXX Disputed Violation : FCRA 623 : The reported terms of $ XXXX are missing key information, violating the FCRA. 

FCRA 611 ( a ) : The accounts accuracy has not been verified, and I am requesting removal unless proper documentation is provided. 



Dispute Request : Please investigate and provide the original loan contract and payment breakdown for this account. If not, I request that this account be deleted from my report. 

XXXX. XXXX XXXX ( Collection - {$410.00} ) Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : In Collection Remarks : Account information disputed by consumer ( FCRA ) Disputed Violation : FCRA 611 : This account is already marked as disputed under FCRA. Please verify this dispute and ensure it is reported accurately. 

FDCPA 809 ( b ) : XXXX XXXX has not provided a written notice within 5 days of the initial contact, as required by the FDCPA. 



Dispute Request : Please provide proof that this debt belongs to me and was authorized, or ensure it is removed from my credit report. 

XXXX. XXXX / DEPT OF ED Loans ( 90 Days Late 3 Accounts ) Issue : Recent lates reported as 90+ days in XX/XX/XXXX Disputed Violation : CARES Act / COVID Forbearance : These lates may have occurred during an active deferment or forbearance period, and as such, they should not have been reported as late. 


Dispute Request : Please verify that these lates occurred outside of any active deferment or forbearance period, or remove the late marks from my credit report if they were erroneously reported during such periods. 


XXXX. XXXX XXXX XXXX XXXX ( Collection - {$2600.00} ) Original Creditor : T-Mobile Account Opened : XX/XX/XXXX Status : Collection account with {$2600.00} past due as of XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX Disputed Violations : FCRA 609 ( a ) ( 1 ) : I am requesting full documentation proving this debt, including the original contract and a signed agreement showing I am responsible for this balance. 

FCRA 611 ( a ) : If XXXX XXXX Solutions can not verify this account with original documentation within 30 days, the information must be deleted. 

FDCPA 809 ( b ) : As a debt collector, XXXX must have provided a written notice within 5 days of initial contact, including the amount of the debt, name of the original creditor ( T-Mobile ), and a statement of my right to dispute. If this was not provided, it is a violation. 

FCRA 623 ( a ) ( 1 ) ( A ) : I request that the accuracy of the reported Terms : 1 Month and any other missing or vague fields be reviewed for compliance with the requirement to furnish complete and accurate information. 



Dispute Request : I request full validation of this collection account, including a detailed breakdown of how the balance was calculated and proof of a contractual relationship. If not provided, this collection account should be removed from my credit report. 

Dispute Request : I request full validation of this collection account, including a detailed breakdown of how the balance was calculated and proof of a contractual relationship. If not provided, this collection account should be removed from my credit report. 


Additional Strategic Disputes : Please clean up outdated personal information ( addresses, names ) and remove inaccurate remarks like PRL ( Profit and Loss Write-off ) and DRG ( Dispute Resolved by Grantor ), as these may be causing discrepancies on my credit file. 

I kindly request that you investigate these items and inform me of your findings. If the disputed items can not be verified or if the required documentation is not provided, I request that they be permanently removed from my credit report. 



Please send your response to my address listed above or to my email at [ Your Email ]. 



Thank you for your prompt attention to this matter. 



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