Consumer complaint received 2025-12-24 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: MI

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Re : Credit Report Dispute Report Number : XXXX Prepared For : XXXX XXXX To Whom It May Concern, I am writing to formally dispute several items appearing on my Experian credit report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C . 1681 ). The information listed below is inaccurate, incomplete, and/or unverifiable and should be investigated and corrected or removed.

Please find the disputed items outlined below : XXXX. XXXX XXXX XXXX Account opened : XX/XX/XXXX Reported status : Charged off, {$300.00} written off, {$100.00} past due Dispute reason : This account is being reported inaccurately. Please verify the accuracy of the charge-off status, balance, and payment history. If this information can not be verified, it must be deleted. 
XXXX. XXXX XXXX ( Account opened XX/XX/XXXX balance {$10.00} ) Dispute reason : The account information is inaccurate and incomplete. Please verify the balance and status or remove if unverifiable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Account opened XX/XX/XXXX Paid, Closed ) Dispute reason : This account is reporting potentially negative information despite being paid and closed. Please correct or remove any inaccurate negative reporting. 
XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX Reported balance : {$1200.00}, with {$790.00} past due Dispute reason : The balance and past-due status are inaccurate and require verification. If accurate reporting can not be substantiated, this account must be corrected or deleted. 
XXXX. XXXX / XXXX ( Two accounts opened XX/XX/XXXX ) Reported balances : {$9500.00} and {$8300.00} Dispute reason : Please verify the accuracy, ownership, and current status of these accounts. If they can not be verified as accurate and current, they must be corrected or removed. 
XXXX. XXXX XXXXXXXX XXXX XXXX ( Account opened XX/XX/XXXX balance {$320.00} ) Dispute reason : The reported status and balance are inaccurate or incomplete. Please investigate and correct or remove if unverifiable. 
XXXX. XXXX XXXX ( Account opened XX/XX/XXXX balance {$170.00}, {$10.00} past due ) Dispute reason : The past-due amount and account status are being reported inaccurately. Please verify or delete. 
8. XXXX XXXX XXXX  Date filed : XX/XX/XXXX Court : XXXX XXXX XXXX, MI XXXX Dispute reason : Please verify that this public record is being reported accurately, including dates and impact. Any inaccuracies must be corrected or removed. 

Under the Fair Credit Reporting Act, you are required to conduct a reasonable investigation within 30 days of receipt of this dispute. If the information can not be verified with the original data furnishers, it must be deleted from my credit file. 

Please provide written confirmation of the results of your investigation and an updated copy of my credit report once the corrections are completed. 

Thank you for your prompt attention to this matter. 

Sincerely, 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