Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Dear Credit Reporting Agency, I am writing to formally dispute inaccurate, incomplete, and unverifiable information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am requesting that you investigate and remove the following items from my credit report : DISPUTED ACCOUNTS : XXXX. XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : Request verification of account ownership and payment history Details : Account shows as charged off but payment history is inconsistent between bureaus Action Requested : Verify or remove XXXX. XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX Dispute Reason : Account shows dispute notation - requesting resolution Details : Account marked as Dispute resolved - consumer disagrees Action Requested : Remove negative reporting or provide proper documentation XXXX. XXXX XXXX  - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : Duplicate reporting of same creditor Details : Two separate XXXX XXXX  accounts with similar information may be duplicates Action Requested : Verify separate accounts or consolidate/remove duplicate XXXX. XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : Request validation of debt and charge-off status Details : Auto loan showing charge-off status - requesting proof of valid debt Action Requested : Verify or remove XXXX. XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : Debt buyer account - requesting original creditor documentation Details : Collection account from XXXX XXXX XXXX  XXXX. - requesting validation Action Requested : Provide original signed contract or remove XXXX XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX  Dispute Reason : Paid collection account still reporting Details : Shows as paid but may still be negatively impacting score Action Requested : Update to reflect paid status or remove XXXX XXXX XXXX XXXX  - Account # XXXXXXXX XXXX XXXX  Dispute Reason : Insurance-related collection requiring validation Details : Collection from XXXX  - requesting proof of valid debt Action Requested : Verify or remove LEGAL GROUNDS FOR DISPUTE : Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( a ) ( 1 ) ( A ) : You must investigate disputed information Section 611 ( a ) ( 5 ) ( A ) : Information must be verified within 30 days Section 623 ( b ) : Data furnishers must investigate and correct inaccurate information CONSUMER RIGHTS CITATIONS : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Right to dispute inaccurate information 2. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - 30-day investigation period 3. 15 U.S.C. 1681g - Right to accurate credit reporting 4. 15 U.S.C. 1681s-2 ( b ) - Furnisher obligations upon notice of dispute REQUESTED ACTIONS : 1. Immediate Investigation : Please investigate each disputed item within the required 30-day period 2. Verification or Removal : If items can not be verified as accurate and complete, they must be removed 3. Updated Credit Report : Provide me with an updated credit report reflecting all corrections 4. Furnisher Notification : Notify all data furnishers of corrections made

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