Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & 4-Day Demand for Deletion of Inaccurate Information XXXX XXXX XXXXXXXX Dear Credit Reporting Agency , This letter serves as a formal dispute of the inaccurate and unlawfully reported account listed below on my consumer credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681, and I am demanding resolution within 4 business days as required by law. 

Account in Dispute : XXXXXXXX XXXX XXXX Original Creditor ( should be ) : XXXX Balance : {$3400.00} Date Opened : XX/XX/XXXX Reported As : Collection account Partial Account Number : XXXX Legal Grounds for Dispute and Violations Identified : Incorrect Creditor Reporting ( TransUnion ) XXXX is listed as both the collection agency and original creditor. 


This violates 15 U.S. Code 1681e ( b ) which requires accurate identification. 


Conflicting Balance Status ( Experian ) 0 % paid off is reported while the full balance is still marked past due. 


Misleading and noncompliant under 1681e ( b ) and 1681i ( a ). 


Incomplete Account Details ( TransUnion ) Account Type field is blank ( -- ) violates completeness standards. 


Suspicious Account Age & Re-aging ( Both Bureaus ) Reported opened and placed in collections within weeks suggests possible re-aging or illegal dating under 1681c ( a ). 


Missing Payment History ( Experian ) Incomplete history suggests inadequate data reporting. 



Additional Violations of My Consumer Rights : 15 U.S. Code 1681c-2 : You must block reporting of disputed information within 4 business days if identified as inaccurate or identity-theft related. 


15 U.S. Code 1681e ( b ) and 1681i ( 5 ) : Data must be 100 % accurate or removed. 


15 U.S. Code 1681, Section 602A : My rights to privacy and confidentiality have been violated. 


15 U.S. Code 1681, Section 604A ( 2 ) : No account may be reported without my explicit written permission. 



Demand for Action Within 4 Business Days I hereby demand : A reinvestigation of this account. 


A block and deletion of this inaccurate reporting within 4 business days of receipt of this letter, as required by 15 USC 1681c-2. 


A copy of the original contract/agreement, terms and conditions, and authorization bearing my signature. 


A written response detailing your reinvestigation results. 


Failure to respond or comply within the legal timeframes will be seen as a willful noncompliance with federal law and subject you to liability for {$1000.00} per account under FCRA statutory damages. 

If you can not verify this account with complete documentation, you must delete it entirely within 4 business days.

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