Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Dear CFPB Consumer Response Team, I am filing this complaint due to ongoing issues with inaccurate and negative information on my credit reports from Equifax, Experian, and TransUnion, initially disputed on XX/XX/XXXX. Despite submitting detailed dispute letters via certified mail, the credit bureaus have failed to resolve these matters within the XXXX period required by the FCRA ( 15 U.S.C. 1681i ( a ) ). I seek your assistance to enforce my rights and correct these errors. 
Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX SSN ( Last XXXX ) : XXXX Date of Birth : XX/XX/XXXX Negative Accounts and Inaccurate Information : Negative Accounts : XXXX XXXX XXXX XXXX ( Collections ) : {$410.00}, Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  Disputed as invalid due to lack of debt validation ( 15 U.S.C. 1692g ). 
XXXX XXXX XXXX ( Closed ) : Charge-off, Account XXXX XXXX XXXXXXXX, delinquency XX/XX/XXXX. May exceed XXXX reporting limit ( expiring ~XXXX  XXXX, 15 U.S.C. 1681c ). 
Department of EducationXXXX : Account XXXX XXXX XXXX, incomplete payment history. 
Inaccurate Information : Name Misspellings : Reported as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX instead of XXXX XXXX XXXX. 
Outdated Address : XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX, not updated to current address. 
Missing XXXX XXXX : Phone ( XXXX ) and email ( XXXX ) not reflected. 
XXXX XXXX : XXXX ( XXXX ) and XXXX ( XX/XX/XXXX ) need consistency checks. 
Unauthorized Inquiries : Future-dated entries ( e.g., XX/XX/XXXX, XX/XX/XXXX ) and unverified hard inquiries, suggesting potential identity theft. 
Actions Taken : Sent dispute letters to Equifax ( XXXX XXXX XXXX, XXXX, GA XXXX ), Experian ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX, and TransUnion ( XXXX XXXX XXXX, XXXX, PA XXXX XXXX on XX/XX/XXXX, via certified mail with enclosures ( drivers license, bank statement ). 
Contacted bureaus by phone ( Equifax : XXXX, Experian : XXXX, TransUnion : XXXX ) with no resolution. 
Awaiting responses beyond the XXXX period ( due XX/XX/XXXX ). 
Requested Resolution : I urge the CFPB to : Direct Equifax, Experian, and TransUnion to investigate all disputed items within XXXX XXXX, verifying data with furnishers ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ) and deleting unverifiable information. 
Update my personal details ( name, address, phone, email, SSN, DOB ) across all reports and ensure cross-bureau notifications. 
Audit and remove unauthorized inquiries, and consider a XXXX fraud alert if identity theft is suspected. 
Require furnishers to provide debt validation and correct reporting errors. 
Provide a free updated credit report within 5 days of resolution ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ).

Impose penalties on non-compliant entities and compensate me for any financial harm ( e.g., denied credit ) under FCRA ( 15 U.S.C. 1681n/o ). 
Supporting Documents : Certified mail receipts ( dated XX/XX/XXXX ). 
Copies of dispute letters and enclosures ( drivers license, bank statement ). 
Equifax credit report ( XXXX ). 
Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX Sincerely, 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