Consumer complaint received 2025-07-17 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: SC

Complaint narrative:
Letter to Experian XX/XX/XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information in Credit Report To Whom It May Concern : I am writing to dispute several inaccuracies on my Experian credit report and I am requesting a thorough investigation into these matters as is my right under the Fair Credit Reporting Act ( FCRA ). The sheer volume of discrepancies and inconsistencies on my report is causing significant damage to my creditworthiness, and I expect these issues to be rectified promptly. 
Below is a detailed list of the items I am disputing : * Inaccurate Personal Information : * My current address is listed as XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. This is incorrect. Please update my address to my correct current address. 
* My employer is listed as " XXXX '' with an update date of XX/XX/XXXX and " XXXX XXXX XXXX '' with an update of XX/XX/XXXX. These are outdated and inaccurate. I demand these be removed as they do not reflect my current employment. 
* Inaccurate and Duplicate Account Information : * XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is listed with a balance of {$0.00} and a " Paid '' status, yet it is also noted as " Late 60 Days ''. This is contradictory. The payment history also shows late payments. I demand a full investigation into the reporting of this account. 
* A second XXXX XXXX account is listed with Account # XXXX { * }. This account appears to be a duplicate of the one above but is listed as " Derogatory '' with a " Collection/Chargeoff '' status and a balance of {$5200.00}. It is impermissible to report the same account twice, especially in such a conflicting and damaging manner. I demand that one of these accounts be deleted from my report. The payment history for this account is also inconsistent with the other bureaus. 
* XXXX, Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as closed, but no closed date is provided. This is incomplete information. It is also listed as a " Collection/Chargeoff, '' and I require full verification of this status. 
* XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The remarks on this account state, " Customer disputed account - reported by subscriber ''. This is insufficient. I am formally disputing this account and require a full investigation into the alleged debt. The " Collection/Chargeoff '' status is also disputed. 
* XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The payment status for this account is listed as " Unknown, '' which is vague and unacceptable. The remarks also mention a " repossession '' that was " redeemed ''. I dispute this and demand strict proof of any such event. 
* XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as a " Collection/Chargeoff ''. I am disputing this derogatory status and the reported late payment history and require a complete investigation. 
* XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX  This collection account is reported as " Closed, '' while other bureaus report it as " Open ''. This is a significant inconsistency that needs to be investigated. I dispute the validity of this collection account. 
I demand that Experian conduct a thorough investigation into each of these disputed items. If you are unable to verify the accuracy of this information with the original creditors, you are required by law to remove it from my credit file. 
Upon completion of your investigation, please send me a corrected copy of my credit report. 
Sincerely, XXXX XXXX XXXX Letter to Equifax XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Gross Inaccuracies in My Credit Report To Whom It May Concern : I am writing to formally dispute a multitude of serious inaccuracies on my Equifax credit report and I demand a complete investigation into the items listed below as is my right under the Fair Credit Reporting Act ( FCRA ). The conflicting and potentially prejudicial information on my report is unacceptable. 
Here are the specific items I am disputing : * Inaccurate Personal Information : * My current address is listed as XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. This is not correct. Please update my address to my actual current address. 
* My employer is listed as " XXXX XXXX XXXX' and XXXX XXXX XXXX XXXX with the same update date of XX/XX/XXXX. It is highly irregular for two employers to be updated on the same day. These are not my current employers, and I demand their removal. The entry for " XXXX '' is also inaccurate and must be deleted. 
* Inaccurate and Prejudicial Account Information : * XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * : * * * The high balance on this account is listed as {$250.00}, which is inconsistent with other bureaus. The credit limit is listed as {$0.00}, which is also questionable for a credit card account. 
* A second XXXXXXXX XXXX account is listed with Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which appears to be a duplicate account with a derogatory " Collection/Chargeoff '' status. It is a violation to report the same account multiple times. I demand the deletion of this duplicative and derogatory entry. 
* XXXX XXXX ( Student Loans ) : * For multiple student loan accounts with this creditor ( Account # s XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others ), my report states " Account disputed '' and includes the remark, " Consumer disputes after resolution ''. This language is prejudicial and suggests that my dispute is invalid. The FCRA requires accurate and impartial reporting. I demand that this biased language be removed and that a proper investigation be conducted into the status of these accounts. The reporting of late payments on some of these accounts is also disputed. 
* XXXX XXXX, Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The high balance is reported as {$50.00}, which is inconsistent with other bureaus. The payment history shows late payments that I dispute. I require a full investigation into this account 's reporting. 
I insist that Equifax initiate a comprehensive investigation into these disputed items immediately. If you can not verify this information with the creditors, you must remove it from my file as mandated by the FCRA. 
Please send a corrected copy of my credit report to my current address upon the conclusion of your investigation. 
Sincerely, XXXX XXXX XXXX Letter to TransUnion XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Demand for Investigation of Disputed Information in Credit Report To Whom It May Concern : I am writing to exercise my rights under the Fair Credit Reporting Act ( FCRA ) and demand a formal investigation into numerous errors on my TransUnion credit report. My credit file contains contradictory and inaccurate information that needs to be corrected immediately. 
The following items are being disputed : * Inaccurate Personal Information : * My current address is listed as XXXX XXXX XXXX XXXX  XXXX. This is incorrect. I demand this be corrected to reflect my true current address. 
* My employer information is listed as XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. This is vague and inaccurate. I demand that this information be removed from my report. 
* Inaccurate and Duplicate Account Information : * XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed as having been " Canceled by credit grantor ''. I dispute this and require verification. 
* A second XXXX XXXX account is listed with Account # XXXXXXXX XXXX XXXX XXXX XXXX. This appears to be a duplicate of the previous account but is reported with a derogatory " Collection/Chargeoff '' status and a balance of {$5200.00}. This dual reporting is a serious error and is severely damaging my credit. I demand the deletion of this duplicate account. 
* XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed as " Charged off as bad debt '' and " Profit and loss write-off ''. I dispute this and require strict proof from the original creditor. 
* XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The remark on this account states, " Account information disputed by consumer, meets FCRA requirements ''. This is an acknowledgment of a dispute. I am reaffirming this dispute and demand a full investigation into the validity of this " Collection/Chargeoff '' account. 
* XXXX XXXX, Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as " Charged off as bad debt ''. I dispute this derogatory reporting and require a complete investigation. The payment history is also not reported, which is an incomplete record. 
* XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The payment history for this account shows multiple late payments. I dispute the accuracy of this payment history and require it to be investigated and corrected. 
* XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  This collection account is listed as " Open, '' which contradicts the information on other reports. This inconsistency must be investigated. Furthermore, I dispute the validity of this debt and the " Collection/Chargeoff '' status and demand a full investigation. 
I demand that TransUnion investigate each of these items with the furnishers of the information. If the accuracy of these items can not be verified, then they must be deleted from my credit report. 
After you have completed your investigation, please provide me with a new, corrected copy of my credit report. 
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