Consumer complaint received 2026-02-18 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: IN

Complaint narrative:
This is my XXXX formal follow-up complaint submitted to the Consumer Financial Protection Bureau demanding the immediate and complete removal of the remaining inaccurate and unverified accounts and collections currently being reported on my credit reports with Experian and TransUnion, as these items continue to appear despite multiple prior disputes and communications and are causing substantial and ongoing harm to my creditworthiness, financial reputation, and ability to secure credit and housing ; I am exercising my rights under FCRA XXXX XXXX a ) 15 U.S.C. XXXX ( a ), FCRA XXXX ( a ) ( XXXX ) ( A ) 15 U.S.C. XXXX / 15 U.S.C. XXXX, FCRA XXXX ( a ) ( XXXX ), FCRA XXXX ( b ) 15 U.S.C. XXXX ( b ), XXXX XXXX 15 U.S.C. XXXX, and FDCPA XXXX 15 U.S.C. XXXX, which collectively require that only accurate, complete, and verifiable information be reported and that consumers be protected from misleading, deceptive, or unverified debt reporting ; upon reviewing my reports, I have identified that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported on TransUnion as a charge-off with a balance of {$2400.00}, which is inaccurate, misleading, and unverifiable, particularly due to the absence of a corresponding IRS Form XXXX validating the existence or cancellation status of the alleged debt, and pursuant to FCRA XXXX ( a ) and XXXX ( a ) ( XXXX ), I am entitled to ensure that only verified and accurate information appears on my credit file while FCRA XXXX ( b ) mandates that reporting agencies maintain reasonable procedures to assure maximum possible accuracy, which has clearly not occurred in this matter ; furthermore, both Experian and TransUnion continue to report the collection account XXXX XXXX Original Creditor XXXX XXXX HOSPITAL XXXXXXXX XXXX with a balance of {$2500.00}, which remains unverified, inaccurate, and materially damaging to my credit profile, and under XXXX XXXX and FDCPA XXXX I have the right to dispute any debt that is unverified or inaccurately represented, while FCRA XXXX ( a ) ( XXXX ) ( A ) / 15 U.S.C. XXXX protects consumers from the reporting of information that is not accurate or verifiable ; the continued presence of these accounts misrepresents my financial history, creates substantial barriers to financial opportunities, and constitutes ongoing noncompliance with federal law, and therefore I demand that Experian and TransUnion immediately conduct a thorough investigation and permanently delete all of the aforementioned accounts and collections from my credit reports, as this complaint is submitted strictly as a request for removal only and not correction, and I expect full compliance with all cited federal statutes without further delay.

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