Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Via Certified Mail Return Receipt Requested To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Inaccurate, Unverifiable, and Outdated Information Demand for Permanent Deletion Dear TransUnion, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692j, I am disputing inaccurate, unverifiable, outdated, and incomplete information on my credit file.

Disputed Accounts : XXXX. XXXX XXXX XXXX ( Closed XX/XX/XXXX ) Reported 3059 Days Late despite Paid by Insurance. Contradictory and misleading ( FCRA 1681e ( b ) ). 
XXXX. XXXX Collection/Utility Shows Paid Collection/Charge-off though balance is {$0.00}. Misleading, incomplete ( FCRA 1681i ( a ) ( 5 ) ( A ) ). 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Transferred Accounts ) Inconsistent reporting ( Purchased/Transferred ) with outdated derogatory data ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ).

XXXX. Late payment notations on closed/satisfied accounts Must be deleted as inaccurate.

Disputed Inquiries ( Unverifiable/Unauthorized ) : - XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) - XXXX  ( XXXX XXXX XXXX XXXX  ) - XXXX XXXX - XXXX  ( XXXX XXXX XXXX XXXX XXXX ) These inquiries lack creditor contact details and can not be verified ( FCRA 1681i ( a ) ( 1 ) ( A ) ).

Demand for Compliance : - Permanent deletion unless verified with documentation.

- Cease reporting disputed items until verification ( FCRA 1681s-2 ( b ) ).

- Provide written confirmation within 30 days ( FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Failure to comply constitutes willful noncompliance, making your bureau liable under FCRA 1681n, 1681o and FDCPA 807 ( 8 ).

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Via Certified Mail Return Receipt Requested To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate, Unverifiable, and Outdated Information Demand for Permanent Deletion Dear Experian, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692j, I am disputing inaccurate, unverifiable, outdated, and incomplete information on my credit file.

Disputed Accounts : XXXX. XXXX XXXX XXXX ( Closed XX/XX/XXXX ) Reported 3059 Days Late despite Paid by Insurance. Contradictory and misleading ( FCRA 1681e ( b ) ). 
XXXX. XXXX Collection/Utility Shows Paid Collection/Charge-off though balance is {$0.00}. Misleading, incomplete ( FCRA 1681i ( a ) ( 5 ) ( A ) ). 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Transferred Accounts ) Inconsistent reporting ( Purchased/Transferred ) with outdated derogatory data ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ). 
XXXX. Late payment notations on closed/satisfied accounts Must be deleted as inaccurate. 

Disputed Inquiries ( Unverifiable/Unauthorized ) : - XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX  ) - XXXX  ( XXXX XXXX XXXX XXXX ) - XXXX XXXX - XXXX  ( XXXX XXXX XXXX XXXX XXXX ) These inquiries lack creditor contact details and can not be verified ( FCRA 1681i ( a ) ( 1 ) ( A ) ).

Demand for Compliance : - Permanent deletion unless verified with documentation.

- Cease reporting disputed items until verification ( FCRA 1681s-2 ( b ) ).

- Provide written confirmation within 30 days ( FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Failure to comply constitutes willful noncompliance, making your bureau liable under FCRA 1681n, 1681o and FDCPA 807 ( 8 ).

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Via Certified Mail Return Receipt Requested To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of I

naccurate, Unverifiable, and Outdated Information Demand for Permanent Deletion Dear Equifax, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692j, I am disputing inaccurate, unverifiable, outdated, and incomplete information on my credit file. Disputed Accounts : XXXX. XXXX XXXX XXXX ( Closed XX/XX/XXXX ) Reported 3059 Days Late despite Paid by Insurance. Contradictory and misleading ( FCRA 1681e ( b ) ). 
XXXX. XXXX Collection/Utility Shows Paid Collection/Charge-off though balance is {$0.00}. Misleading, incomplete ( FCRA 1681i ( a ) ( 5 ) ( A ) ). 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Transferred Accounts ) Inconsistent reporting ( Purchased/Transferred ) with outdated derogatory data ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ). 
XXXX. Late payment notations on closed/satisfied accounts Must be deleted as inaccurate. 

Disputed Inquiries ( Unverifiable/Unauthorized ) : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries lack creditor contact details and can not be verified ( FCRA 1681i ( a ) ( 1 ) ( A ) ).

Demand for Compliance : - Permanent deletion unless verified with documentation.

- Cease reporting disputed items until verification ( FCRA 1681s-2 ( b ) ).

- Provide written confirmation within 30 days ( FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Failure to comply constitutes willful noncompliance, making your bureau liable under FCRA 1681n, 1681o and FDCPA 807 ( 8 ). 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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