Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Date : XX/XX/year> To : XXXX Credit Card Dispute Department XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute XXXX XXXX Account XXXX Dear Chase Dispute Department, I am submitting this formal dispute concerning the above-referenced XXXXXXXX XXXX Account, which was a corporate-issued account under XXXX XXXX XXXX XXXX, not a personal liability account of XXXX XXXX XXXX. 

Due to a downturn in the economy, XXXX XXXX XXXX, XXXX. Ceased operations and filed a formal Notice of Business Dissolution, which was mailed to XXXX  home office. The dissolution became effective on XX/XX/year>, with a claim submission deadline of XX/XX/year>. 

Despite this notice, XXXX has continued to report this account as a personal obligation, which is factually incorrect and constitutes a violation of fair credit reporting standards. 

Statement of Facts XXXX XXXX  Account XXXX was opened by XXXX XXXX XXXX, XXXX, and is not a personal liability account of XXXX XXXX XXXX The business ceased operations and mailed XXXX a formal Notice of Business Dissolution, effective XX/XX/year>, with a claim submission deadline of XX/XX/year>. Despite this, XXXX has reported the account against my personal credit, which is inaccurate and must be corrected. 

I have attached copies of the Notice of Business Dissolution previously sent to XXXX, which establishes full compliance within the applicable rescission and notification period. XXXX  silence and failure to respond constitute a breach of contract and a willful disregard of due process. 

Furthermore, I hereby demand a certified copy of the original Business Card Agreement bearing the signature of myself or one of the duly authorized officers of XXXX XXXX XXXX, XXXX. 

In my opinion, the formation and execution of this agreement involved deceptive and misleading practices. The legal obligations of the signee were concealed within fine print and not adequately disclosed, thereby enticing the signee into a contract under misrepresentation and coercion. This concealment imposed undue hardship on the individuals personal and economic well-being. 

Such practices are improper and unlawful under federal and state consumer protection statutes. Therefore, I demand that this account be immediately reversed, corrected, and removed from my personal credit record, in accordance with applicable laws that prohibit deception, coercion, and unfair business practices. 

Requested Actions XXXX. 
Correct XXXX records to reflect that this was a corporate-issued card under XXXX XXXX XXXX XXXX XXXX, not my personal credit account. 
XXXX. 
Cease and remove all negative or inaccurate reporting tied to my personal credit file. 
XXXX. 
Provide a certified copy of the original signed Business Card Agreement for verification. 
XXXX. 
Confirm in writing the completion of these corrections. 
Enclosed, you will find the following supporting documentation : Notice of Business Dissolution ( XXXX XXXX XXXX, XXXX. ) Prior correspondence mailed to XXXX Identification documents verifying my identity Thank you for your immediate attention to this matter. I expect written confirmation within 15 business days of receipt of this letter, consistent with your obligations under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

Sincerely, 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