Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I have a full copy of my credit report, and I have found many errors and inaccurate information, and I demand that this account be properly investigated and deleted from my consumer report due to being wrongly reported. It has caused a great deal of frustration in my life, and this is not fair. According to the law, I demand my full rights be carried out, and I will continue to fight for fair credit reporting.I am formally disputing the inaccurate and misleading information reported on my TransUnion credit report regarding XXXX. 
Inaccuracies Identified : Incorrectly reported as derogatory and listed under collection/charge-off, despite inconsistencies with account activity. 
Inaccurate balance and past due amounts reported as {$3200.00} without proper validation or proof of charge-off. 
Discrepancies in credit limit and high credit values reported. 
Payment history is incomplete and inaccurately reflects " charged off '' status without showing actual payment sequence. 
Remarks of " profit and loss write-off '' and " unpaid balance reported as a loss '' are unsupported and misleading. 
Number of Violations and Amounts : Total Violations Identified : XXXX Amount per Violation : {$1000.00} ( as provided under FCRA for willful or negligent noncompliance ) Total Violations Amount : {$5000.00} Violation of FCRA : Under 15 U.S.C. 1681e ( b ) and 1681i, you are required to ensure maximum possible accuracy and properly reinvestigate disputed information. The failure to report and maintain accurate, verifiable information constitutes serious violations. 
Requested Action : I demand immediate deletion of all inaccurate late payments, removal of derogatory status, and correction of balance and account details. If this can not be fully verified with original documented evidence ( not internal system data ), the entire account must be deleted from my file. 
Please complete this reinvestigation within XXXX  days and provide written confirmation of your resolution. 
Thank you for your prompt attention to this serious matter. 
Dear Sir/Madam, I am writing to dispute inaccurate and harmful information reported on my Experian credit report regarding XXXX. 
Inaccuracies Identified : Account is misreported as collection/charge-off despite continued activity and inconsistent payment history records. 
High credit is incorrectly listed as {$0.00}, conflicting with other bureaus and actual account activity. 
Balance and past due amount ( {$3200.00} ) are unverified and inaccurately listed as a charge-off. 
Payment history sequence is reported inconsistently ( CO, XXXX, XXXX, XXXX, then OK ), which is misleading and incomplete. 
Remarks such as " profit and loss write-off '' and " charged off as bad debt '' are unsupported by original documentation. 
Number of Violations and Amounts : Total Violations Identified : XXXX Amount per Violation : {$1000.00} Total Violations Amount : {$5000.00} Violation of FCRA : Per 15 U.S.C. 1681e ( b ) and 1681i, you are required to provide only accurate and verifiable information. Failure to maintain correct records and verify before reporting constitutes a direct violation of these sections. 
Requested Action : I demand immediate removal of all inaccurate remarks, corrections to payment history and credit limits, and if verification can not be fully substantiated, complete deletion of this account from my report. 
Please provide written results of your reinvestigation within 30 days as required by law. 
Thank you for your prompt resolution of this matter. 
Dear Sir/Madam, I am writing to dispute inaccurate and inconsistent information reported on my Equifax credit report regarding XXXX 
Inaccuracies Identified : Incorrectly reported as derogatory and listed as collection/charge-off, while payment history largely shows " OK '' statuses. 
Reported credit limit as {$0.00}, which is inaccurate and conflicts with other bureaus and original account agreements. 
Misstated balance and past due amounts of {$3200.00} shown as charged off, without supporting proof. 
Discrepancies in dates of last payment and activity across reports, creating misleading negative impressions. 
Remarks of " charged off as bad debt '' and " unpaid balance reported as a loss '' are unsupported by proper validation. 
Number of Violations and Amounts : Total Violations Identified : XXXX Amount per Violation : {$1000.00} Total Violations Amount : {$5000.00} Violation of FCRA : Under 15 U.S.C. 1681e ( b ) and 1681i, Equifax is required to report only accurate and fully verified information. The conflicting, inaccurate, and unsupported reporting on this account violates these requirements. 
Requested Action : I demand the immediate removal of all inaccurate payment history, correction of balance, credit limit, and derogatory statuses. If your investigation can not fully verify this information using original source documents, I request complete deletion of the account. 
Please provide the final reinvestigation results in writing within XXXX days as required by law. 
Thank you for your prompt cooperation and compliance.

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