Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
I am writing to file a formal complaint against TransUnion LLC, Experian and Equifax for their failure to respond to or resolve my repeated disputes regarding inaccurate information on my credit report. Despite sending numerous dispute letters, TransUnion has either failed to respond or provided inadequate responses, leaving these errors uncorrected. I am seeking your assistance to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and to ensure TransUnion addresses these issues promptly.

The following accounts on my TransUnion LLC, Experian and Equifax credit report contain inaccurate information that I have repeatedly disputed : XXXX XXXX ( Account Number : XXXX ) Date Reported : Not Provided Balance : {$160.00} Details : This collection account reports a balance of {$160.00}, but I have no record of this debt, and I previously requested validation from the creditor, The XXXX XXXX XXXX, which they failed to provide. Under Texas Finance Code 392.202, TransUnion is required to verify disputed debts, and unverified items must be removed. I have disputed this multiple times, yet it remains on my report. 

XXXX XXXX XXXX XXXX  Account Number : XXXX ) Date Reported : XX/XX/XXXX Balance : {$1900.00} Details : This account shows a collection status with a past due amount of {$1900.00} as of XX/XX/XXXX. However, the collection account was opened on XX/XX/XXXX, which is over 7 years ago. Under FCRA 1681c, negative items like collections must be removed after 7 years from the date of first delinquency. This item should have been removed by XX/XX/XXXX. I have disputed this repeatedly, but it remains on my report. 

XXXX XXXXXXXX ( Account Number : XXXX ) Date Reported : XX/XX/XXXX Balance : {$1900.00} Details : This account shows a past due amount of {$1900.00} as of XX/XX/XXXX, but I have been making consistent payments, with the last payment on XX/XX/XXXX, as noted. This misreported status violates Texas Finance Code 392.304 ( a ) ( 8 ). I have disputed this multiple times with no resolution. 

XXXX XXXXs ( Account Number : XXXX ) Date Reported : XX/XX/XXXX Balance : {$1900.00} Details : This account ( listed again separately ) shows a past due amount of {$1900.00} as of XX/XX/XXXX, but my payment history indicates consistent payments, with the last payment on XX/XX/XXXX. This misreported status violates FCRA 1681e ( b ) and Texas Finance Code 392.304 ( a ) ( 8 ). I have disputed this repeatedly, but it remains uncorrected. 

XXXX XXXX  ( Account Number : XXXX ) Date Reported : Not Provided Balance : {$1900.00} Details : This account appears multiple times on my report ( three separate entries ) with the same account number and similar details, inflating my perceived debt load. Duplicate entries violate FCRA accuracy standards and artificially harm my credit score. I have disputed this duplication several times, but TransUnion has not addressed it. 

XXXX XXXX XXXX ( Account Number : XXXX ) Date Reported : Not Provided Balance : {$0.00} Details : This account is listed as Open with a balance of {$0.00}, but it was closed on XX/XX/XXXX, as noted in the report. Reporting a closed account as open misleads lenders about my credit utilization, violating FCRA accuracy standards. I have disputed this multiple times, yet it remains on my report. 

XXXX XXXX XXXX ( Account Number : XXXX ) Date Reported : Not Provided Balance : Not Provided Details : This account shows a payment status of " delinquent, '' but I have been making consistent payments, with the last payment recorded on XX/XX/XXXX. This misreported status violates FCRA 1681e ( b ) by failing to ensure accurate reporting. I have disputed this repeatedly, but TransUnion has not corrected it.

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