Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Claim Letter Based on Charged-Off Account ( FCRA XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : CLAIM FOR COMPENSATION AND REQUEST FOR INVESTIGATION ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, I am writing to formally dispute and raise a claim concerning the reporting and handling of a charged-off account listed on my credit report, referenced as Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed as a secured credit card account opened on XX/XX/XXXX, with a charged-off balance of {$130.00}, and a high credit of {$190.00}. 
According to my records : I made a last payment on XX/XX/XXXX, yet the account was marked as charged off shortly after. 
The credit limit was {$150.00}, which was backed by a security deposit, indicating this account was secured, not unsecured. 
The account shows discrepancies between bureaus in balance, credit limit, and reporting dates. 
XXXX bureau reports a {$0.00} balance and no past due amount, while another reports {$130.00} past due. 
The inconsistent and potentially misleading information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681s-2 and 1681e ( b ), which require furnishers and credit bureaus to report accurate and complete information. 
Given that this was a secured card, I request confirmation that the secured funds were properly applied before declaring the account charged off. If they were, then reporting a charge-off and balance due may be inaccurate, and if not corrected, it constitutes a false representation of the account status. 
I am requesting the following : XXXX. A full investigation and correction of the reported information under the FCRA. 
XXXX. Written verification of the debt including how the charge-off was calculated, and whether secured funds were applied. 
XXXX. If the reporting is found to be inaccurate or misleading, I request immediate removal or correction of the derogatory item from my credit report. 
XXXX. Due to the potential harm caused to my credit standing and possible violations of the FCRA, I am formally requesting compensation for any damages incurred as a result of this improper reporting. 
Please respond to this claim within XXXX  days as required under federal law. If this issue is not resolved, I will consider escalating this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly pursuing further legal action. 
Enclosed are copies of my identification, credit report entries showing the discrepancies, and account details for your reference. 
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