Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Information : Full Name : XXXX XXXX XXXX [ span_1 ] ( start_span ) [ span_1 ] ( end_span ) Physical Address : XXXX XXXX XXXX, XXXX, Texas, XXXX [ span_2 ] ( start_span ) [ span_2 ] ( end_span ) Mailing Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Texas, XXXX Date of Birth : XX/XX/XXXX [ span_3 ] ( start_span ) [ span_3 ] ( end_span ) [ span_4 ] ( start_span ) [ span_4 ] ( end_span ) Social Security Number ( Last 4 ) : XXXX [ span_5 ] ( start_span ) [ span_5 ] ( end_span ) [ span_6 ] ( start_span ) [ span_6 ] ( end_span ) Phone Number : XXXX [ span_7 ] ( start_span ) [ span_7 ] ( end_span ) Email Address : XXXX [ span_8 ] ( start_span ) [ span_8 ] ( end_span ) RE : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute several inaccurate, incomplete, and misleading items appearing on my Experian credit profile. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request a full, independent, and reasonable reinvestigation into the items detailed below [ span_9 ] ( start_span ) [ span_9 ] ( end_span ). Disputed Items and Specific Corrections : 1. Account Nam e : XXXX XXXX ( Account # ending in XXXX XXXXXXXX ) [ span_10 ] ( start_span ) [ span_10 ] ( end_span ) - Inaccuracy : This account is being reported with an inaccurate derogatory status, including an alleged past-due balance of {$1800.00} and characterization as a charge-off [ span_11 ] ( start_span ) [ span_11 ] ( end_span ) [ span_12 ] ( start_span ) [ span_12 ] ( end_span ). - Requested Action : I dispute the overall accuracy of this history, the reported balance, and the delinquency timelines [ span_13 ] ( start_span ) [ span_13 ] ( end_span ). Please demand original, account-level verification from the furnisher [ span_14 ] ( start_span ) [ span_14 ] ( end_span ). If they can not verify the maximum possible accuracy of these metrics, the tradeline must be updated to a positive status or removed entirely [ span_15 ] ( start_span ) [ span_15 ] ( end_span ). 2. Account Name : Closed Builder / Secured Accounts ( XXXX Balance ) [ span_16 ] ( start_span ) [ span_16 ] ( end_span ) - Inaccuracy : Paid and closed credit-builder or secured accounts ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXX or similar reporting lines ) continue to display lingering derogatory marks or historical late payment notations despite a verified XXXX balance [ span_17 ] ( start_span ) [ span_17 ] ( end_span ) [ span_18 ] ( start_span ) [ span_18 ] ( end_span ). - Requested Action : Please update the historical payment data to accurately show a clean, paid/closed status without misleading negative markers, or remove the lines if historical accuracy can not be validated by the source [ span_19 ] ( start_span ) [ span_19 ] ( end_span ). 3. Unverified Hard Inquiries [ span_20 ] ( start_span ) [ span_20 ] ( end_span ) - Inaccuracy : Multiple hard inquiries appear on my Experian file from various lenders ( such as XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) [ span_21 ] ( start_span ) [ span_21 ] ( end_span ). I did not directly authorize or initiate applications with every entity listed [ span_22 ] ( start_span ) [ span_22 ] ( end_span ) [ span_23 ] ( start_span ) [ span_23 ] ( end_span ). - Requested Action : Any inquiry generated without an explicit credit application signed by me or lacking a valid permissible purpose under 15 U.S.C. 1681b must be promptly deleted [ span_24 ] ( start_span ) [ span_24 ] ( end_span ). Please Note : I am explicitly NOT disputing my positive open lines of credit or my student loans ( such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , and XXXX ) [ span_25 ] ( start_span ) [ span_25 ] ( end_span ). These must remain on my report completely undisturbed [ span_26 ] ( start_span ) [ span_26 ] ( end_span ). Enclosed is my Sworn Affidavit of Credit Report Inaccuracy, alongside copies of my identification and address verification documents [ span_27 ] ( start_span ) [ span_27 ] ( end_span ). Thank you for your prompt attention. Sincerely, Printed Name : XXXX XXXX XXXX [ span_28 ] ( start_span ) [ span_28 ] ( end_span ) Date : XX/XX/XXXXXXXX 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