Consumer complaint received 2025-06-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Telephone : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Credit Reporting by TransUnion, Equifax, Experian, and Associated Creditors Dear Consumer Financial Protection Bureau , I am submitting this complaint to address ongoing issues with inaccurate, incomplete, or unverifiable information on my credit reports from TransUnion, Equifax, and Experian, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite my efforts to dispute these items with the credit bureaus and creditors, I am concerned that the inaccuracies persist, negatively impacting my credit score ( FICO ScoreXX/XX/XXXXXXXX ) and financial opportunities. I seek your assistance to ensure compliance and correction of my credit reports. 

* * Personal Information : * * - Full Name : XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Address : XXXXXX/XX/XXXXXXXX XXXX TX XXXX - Telephone : XXXX * * Details of the Complaint : * * I have identified multiple erroneous items on my credit reports from TransUnion , Equifax , and Experian, dated XX/XX/XXXX. These include collection accounts and charged-off accounts that are either unverifiable, inaccurate, or past the FCRAs 7-year reporting period. The items are as follows : 1. * * TransUnion ( XX/XX/XXXX XXXX, XXXX, PA XXXX ) XX/XX/XXXXXX/XX/XXXXListed as unpaid with no proof of my liability. I have no record of this debt. 
XX/XX/XXXX XXXX, Account : XXXX ) * * : Unverifiable debt ; no original contract provided. 
XX/XX/XXXXXXXX XXXX, Account : XXXX ) * * : Alleged unauthorized services ; no proof of debt. 
- * * XXXX ( {$2400.00}, Acute Care Specialists, Account : XXXX ) * * : Unverifiable ; no documentation of liability. 
XX/XX/XXXX$520.00}, Account : XXXXXX/XX/XXXX Charged off, last payment XX/XX/XXXX, exceeds 7-year reporting limit. 
XX/XX/XXXX( {$220.00}, Account : XXXXXX/XX/XXXXCharged off, last payment XX/XX/XXXX, nearing 7-year limit. 
XX/XX/XXXX {$47.00}, Account : XXXX ) * * : Charged off, last payment XX/XX/XXXX, exceeds 7-year limit. 
XX/XX/XXXXcount : XXXXXX/XX/XXXX Shows XXXX late payments ; unverifiable payment history. 

XXXX. * * Equifax ( XXXX. XXXX XXXX, XXXX, GA XXXXXX/XX/XXXX XXXX ( {$260.00}, XXXX XXXX, Account : XXXX ) * * : Unverifiable debt. 
-XX/XX/XXXX500.00}, XXXX XXXX, Account : XXXX ) * * : Alleged unauthorized services. 
- * * FIRSTPREMIER ( {$520.00} ) * * : Charged off, exceeds 7-XXXX reporting limit. 
- * * XXXX, XXXX ( {$20.00}, Account : XX/XX/XXXX: Shows XXXX late payments ; unverifiable. 
XX/XX/XXXX( {$220.00}, Account : XXXX ) * * : Charged off, nearing 7-year limit. 

XXXX. * * Experian ( XXXX. XXXX XXXX, XXXX, TX XXXXXX/XX/XXXX XXXX ( {$1500.00}, XXXX XXXX XXXXXX/XX/XXXX Unverifiable ; no proof of debt. 
XX/XX/XXXX$2500.00}, XXXX XXXX, Account : XXXXXX/XX/XXXXlleged unauthorized services. 
- * * XXXX XXXX XXXX ( {$2400.00}, Acute Care Specialists ) * * : Unverifiable debt. 
XX/XX/XXXX{$260.00}, XXXX XXXX, Account : XXXX ) * * : Unverifiable debt. 
XX/XX/XXXX$520.00} ) * * : Charged off, status updated XX/XX/XXXX, exceeds XXXX limit. 
XX/XX/XXXX{$20.00}, Account : XXXX ) XX/XX/XXXXShows XXXX late payments; unverifiable. 
XX/XX/XXXXCharged off, nearing XXXX limit. 
XX/XX/XXXX Charged off, last payment XX/XX/XXXX, exceeds XXXX limit. 

Additionally, all three bureaus report a high credit usage ratio ( 112 % ), which is inaccurate as my credit limit is {$0.00} and most account balances are {$0.00}. This error further damages my credit profile. 

* * Actions Taken : * * On or about XX/XX/XXXX, I intend to send dispute letters to TransUnion, Equifax, Experian, and the respective creditors ( XXXX, XXXX, XXXX, XXXXXX/XX/XXXX via certified mail, requesting verification of these items. However, I am concerned that the bureaus and creditors XX/XX/XXXX 

* * Requested Resolution : * * I request that the CFPB investigate the credit bureaus ( TransUnion, Equifax, Experian ) and the listed creditors for : 1. Failure to remove unverified or inaccurate collection accounts and charge-offs.

2. Failure to remove items exceeding the 7-year FCRA reporting period (XX/XX/XXXX).

3. Reporting an erroneous high credit usage ratio ( 112 % ).

4. Ensuring all disputed items are corrected or removed from my credit reports. 

Please compel the bureaus and creditors to provide verifiable documentation or remove these items, and issue an updated credit report reflecting the corrections. The total collection debt ( {$6800.00} on TransUnion, {$2800.00} on Equifax ) and charged-off accounts are causing significant financial harm. 

* * Supporting Documents : * * - Copies of my credit reports from TransUnion, Equifax, and Experian ( dated XX/XX/XXXX ). 
- Copy of my identification ( drivers license ).

- [ Include any additional evidence, e.g., payment receipts, if applicable. ] I appreciate your assistance in resolving this matter. Please contact me at XXXX or XXXX XXXX XXXX, XXXX, TX XXXX for updates or additional information. 

Sincerely, XXXX XXXX XXXX XXXX Social Security Number : XXXX Enclosures : [ Copy of ID, Credit Reports, Other Evidence ]

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