Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I reviewed my TransUnion credit report and found multiple inaccuracies regarding my account statuses. I immediately submitted a dispute to TransUnion, requesting an investigation and correction of the following issues : XXXX Installment Account ( Opened : XX/XX/XXXX, Balance : {$0.00} ) This account is incorrectly reporting missed and late payments. I requested statements and records of all payments made and missed since the account was opened. 

XXXX XXXXXXXX XXXX Installment Account ( Opened : XX/XX/XXXX, Balance : {$6500.00} ) This account is inaccurately reported as charged off with a balance due. I requested proof of the charge-off or an update to reflect a {$0.00} balance and removal of the negative status. 

XXXX XXXX Account ( Opened : XX/XX/XXXX, XXXX : {$0.00} ) The account status incorrectly shows 120 days past due, despite the balance being {$0.00}. 

XXXX XXXXXXXX Revolving Account ( Opened : XX/XX/XXXX, XXXX : {$3300.00} ) This account is incorrectly reported as charged off. I requested proof of the charge-off or correction of the status. 

XXXX XXXX Account ( Opened : XX/XX/XXXX, XXXX : {$1700.00} ) The account is inaccurately reported as charged off. I requested proof of the charge-off or an update to the status. 

I C SYSTEM Collection Account ( Balance : {$1100.00}, Original Creditor : XXXX XXXX XXXX XXXX ) I have no contract with this debt collector. I requested proof from the original creditor showing that this debt collector legally owns the debt and has the authority to collect it. 

XXXX XXXX Collection Account ( Balance : {$1000.00}, Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX. ) I have no contract with this debt collector. I requested proof of ownership and authority to collect or deletion of the account. 

XXXXXXXX XXXX Collection Account ( Balance : {$1300.00}, Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. ) Same as above, I requested proof of ownership and legal authority to collect or removal of the account. 

I formally disputed these inaccuracies with TransUnion and asked them to conduct a proper reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

What happened? - I reviewed my XXXX credit report and identified multiple inaccuracies regarding late payments, charge-offs, and collection accounts that do not match my TransUnion report or my payment history. 

XXXX. **Late Payment Discrepancies : ** - Several XXXX. of XXXX student XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX incorrectly reporting late payments. However, my TransUnion report shows no late payments for these accounts. 

XXXX. XXXX Accounts : ** - My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts are being reported as charged off with outstanding balances. I requested verification of the charge-offs and asked for the balance to be updated to {$0.00} or the negative status to be removed. 

XXXX. XXXX Accounts : ** - Debt collection accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) are listed, but I never had a contract with these debt collectors. I requested proof from the original creditor verifying the legitimacy of these debts. 

I formally requested XXXX to reinvestigate and correct these discrepancies in compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, I referenced the CFPB lawsuit against XXXX and asked that XXXX provide a detailed response, including documentation from the furnishers, regarding their investigation findings. 

XXXX happened? - I reviewed my XXXX credit report and found multiple inaccuracies regarding late payments, charge-offs, and collection accounts that do not match my TransUnion report or my payment history. 

XXXX. **Late Payment Discrepancies : ** - Several XXXXXXXX XXXX XXXXXXXX student loans and a XXXX XXXX XXXX XXXX loan are incorrectly reporting late payments. However, my TransUnion report shows no late payments for these accounts. 

XXXX. XXXX Accounts : ** - My CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX reported as charged off with outstanding balances. I requested verification of the charge-offs and asked for the balance to be updated to {$0.00} or the negative status to be removed. 
- My Navient loan is incorrectly showing a payment status of at least 120 days past due, even though the balance is {$0.00}. 

XXXX. **Collection Accounts : ** - Debt collection accounts from XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX ) are listed, but I never had a contract with this debt collector. I requested proof from the original creditor verifying the legitimacy of these debts. 

I formally requested XXXX to reinvestigate and correct these discrepancies in compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, I referenced the CFPB lawsuit against XXXX and asked that XXXX provide a detailed response, including documentation from the furnishers, regarding their investigation findings.

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