Consumer complaint received 2025-06-03 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate or incomplete information reported on my credit file maintained by your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I recently obtained a copy of my credit report from your agency and have identified the following item ( s ) that I believe to be inaccurate and/or unverifiable : Disputed Item ( s ) : XXXX XXXX XXXX XXXX Account Number : XXXX  - Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. 


XXXX XXXX XXXX XXXX XXXX Account | Reported on XXXX XXXX, XXXX Balance {$550.00} Past due {$550.00} Account number XXXX - Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance {$420.00} Limit {$530.00} Account utilization : 78 % | Poor Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. Account was Hacked by scammers. 

XXXX XXXX XXXX XXXX Balance {$3200.00} Account charged off and closed. 
Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$740.00} Equifax Transunion Experian Account Status Closed Open Closed Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Last Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. 
Why does TransUnion say its open? 
XXXX XXXX XXXX Collection Closed {$980.00} Reported XX/XX/XXXX XXXX Balance {$980.00} Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. 
XXXX XXXX XXXX Collection Closed {$230.00} Reported XX/XX/XXXX XXXX  Balance {$230.00} Reason for Dispute : Reporting Incorrect balance information and closed and/or sold without my permission. 


Under the FCRA, you are required to investigate and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days of receipt of this letter. Please initiate a reinvestigation of the above-referenced item ( s ) and provide me with a written response detailing the outcome of your investigation. 



If your investigation does not resolve the dispute, please include a statement in my credit file reflecting that I dispute the accuracy or completeness of the item. 

Please send confirmation of receipt of this letter and notify me in writing once the investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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