Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Equifax and TransUnion for FCRA Violations To Whom It May Concern, I am filing a formal complaint against Equifax and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) and Consumer Data Industry Association ( CDIA ) XXXX XXXX reporting standards. Despite my disputes and multiple requests for correction, both credit bureaus continue to report inaccurate, unverifiable, and misleading negative information, which is negatively impacting my credit profile. 

Details of the Complaint XXXX. XXXX XXXX  XXXX ( XXXX ) Incorrect Derogatory Status ( Equifax ) Issue : The account has been paid in full, but Equifax continues to report it as " Derogatory '' rather than Paid as Agreed or removing it entirely. 
FCRA Violation : 15 U.S.C. 1681e ( b ) Failure to maintain accurate reporting.

15 U.S.C. 1681i ( a ) Failure to investigate and correct inaccurate data. 
XXXX XXXX Violation Paid charge-offs must not be reported in a misleading manner. 
Requested Action : I request that Equifax correct this account to Paid as Agreed or remove it entirely if they can not verify the accuracy of their reporting. 
XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX Outdated Collection Charge-Off ( TransUnion ) Issue XXXX The account was paid off on XX/XX/XXXX, yet TransUnion continues to report it as a Collection Charge-Off. 
FCRA Violation : 15 U.S.C. 1681c ( a ) Negative accounts can not be reported more than 7 years from the date of last activity.

15 U.S.C. 1681i Failure to investigate and remove outdated records.

Requested Action : I request early exclusion or immediate removal of this account from my TransUnion credit report. 
Attempts to Resolve the Issue On [ Date ], I submitted a dispute letter to both credit bureaus via certified mail. 
They failed to verify the accuracy of the disputed items within the required XXXXday period.

The reporting errors remain unresolved despite my repeated attempts to correct them.

Resolution Sought I request the CFPB to take the following actions : Investigate Equifax and TransUnion for FCRA & XXXX XXXX violations. 
Order the immediate correction or removal of the disputed accounts. 
Impose penalties on the bureaus if they continue to violate federal regulations. 
Ensure compliance with FCRA and XXXX XXXX reporting guidelines. 
Supporting Documents Copies of my dispute letters were sent to Equifax and TransUnion.

Copies of my credit report with the disputed items highlighted.

Proof of account resolution ( if applicable ).

USPS certified mail receipts confirming my previous dispute submissions.

I appreciate the CFPBs prompt attention to this matter and look forward to a resolution. 

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