Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Ct, XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) [ CFPB Address - You can find this online ] XXXX XXXX XXXX XXXX  Dispute Regarding Incorrect Information on Credit Reports- Request for Assistance XXXX XXXX  Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving discrepancies on my credit reports with Experian, XXXX, and XXXX. I have previously attempted to dispute these inaccuracies directly with the credit bureaus, but I have not received a satisfactory response or resolution. I believe these inaccuracies are negatively impacting my credit score and ability to obtain credit. 

The following accounts are being reported inaccurately and I request your intervention to ensure their removal or correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have absolutely no knowledge of this company and have never conducted any business with them. I am requesting the immediate removal of this account from my credit reports. If XXXX claims I owe them money, I demand they provide verifiable proof of a signed contract or agreement between me and their company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Similar to XXXX, I have no record of ever doing business with XXXX XXXX XXXX XXXX  and have no idea what this account pertains to. I am requesting the immediate removal of this account from my credit reports. If XXXX XXXX claims I owe them money, I demand they provide verifiable proof of a signed contract or agreement between me and their company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is inaccurately reflecting on my credit reports. This account was XXXX XXXX satisfied and paid in full. XXXX XXXX XXXX made all required payments and the account should be reporting as closed and paid, not as an outstanding debt. I am requesting that the credit bureaus update this account to accurately reflect its satisfied status and provide documentation confirming its closure and payment in full. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX- XXXX XXXX : XXXX XXXX This account was XXXX XXXX satisfied through an insurance claim. XXXX XXXX The balance was covered by insurance after [ Briefly explain the situation, e.g., a theft or accident ]. I request the removal of this account from my credit reports as the debt was settled through insurance. Alternatively, if XXXX XXXX is reporting a forgiven debt, they must provide me with a 1099-C form, as legally required. 


I believe the continued presence of these inaccurate accounts on my credit reports is a violation of the Fair Credit Reporting Act ( FCRA ). I request that the CFPB investigate these issues thoroughly and take appropriate action to ensure that the credit bureaus and the reporting companies ( XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ) comply with the law and correct these errors. 

Thank you for your time and consideration in this matter. I look forward to your assistance in resolving these issues. 

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