Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Credit Reporting Dispute Summary Attention : TransUnion, Experian, and Equifax Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX City, State ZIP : XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX This cover sheet accompanies my formal dispute letters addressed to TransUnion, Experian, and Equifax. 
I am disputing false and harmful reporting that incorrectly indicates I am on a repayment plan and severely delinquent. I am not delinquent on any account. 
My bankruptcy case was discharged and closed on XX/XX/XXXX by the XXXX Bankruptcy XXXX for the XXXX XXXX XXXX XXXX, and I am not on any repayment plan. Despite multiple prior attempts to correct this information, each bureau has failed to fix it and in some cases added more inaccuracies. 
These false reports have directly caused several of my credit card accounts to be closed, including XXXX Bank, which confirmed the closure was based on inaccurate information reported by TransUnion. As a result, my credit score has dropped from XXXX down to XXXX, causing significant financial harm. 
Enclosures : - Formal dispute letter to TransUnion - Formal dispute letter to Experian - Formal dispute letter to Equifax - Copy of government-issued ID - Proof of address ( e.g., utility bill or bank statement ) - Bankruptcy discharge and closure documents - Account statements verifying current status - Proof of account closures ( including XXXX  Bank correspondence ) Request : Please review the enclosed dispute letters and conduct full reinvestigations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ). Written confirmation of corrections is requested within 30 days of receipt. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX City, State ZIP : XXXXXXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Notice of Dispute and Demand for Correction of Inaccurate Credit Information Dear TransUnion, I am writing to notify you of inaccurate and defamatory information that continues to appear on my TransUnion credit file. My report falsely indicates that I am on a repayment plan and that one or more of my accounts are severely delinquent. These claims are factually incorrect. 
I am not delinquent on any account, nor am I enrolled in any repayment or hardship program. All of my credit accounts are current and paid as agreed. Additionally, my bankruptcy case was fully discharged and closed on XX/XX/XXXX, by the XXXX Bankruptcy XXXX for the XXXX XXXX XXXX XXXX. The courts final discharge order confirms that I am not under any repayment plan or financial obligation related to that case. 
I have attempted multiple times to have this error corrected through your dispute process and through communication with the original data furnisher. Despite providing clear evidence that this information is inaccurate, the error remains unresolved on my credit report. In fact, each time I have tried to correct this matter, TransUnion has added even more inaccurate or misleading information to my file, further damaging my credit reputation. 
As a direct result of these ongoing reporting errors, several of my credit card accounts have been closed, including accounts with XXXX Bank, which specifically stated the closure was due to information reported by TransUnion. These inaccuracies have also caused my credit score to plummet from XXXX down to XXXX, resulting in significant and unjustified harm to my financial standing. 
Under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i ( a ) you are legally required to conduct a reasonable and timely reinvestigation of disputed information. You are also obligated under 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of the information you report. 
I demand that TransUnion immediately : 1. Conduct a full reinvestigation of this inaccurate reporting ; 2. Remove or correct any false or misleading information indicating that I am delinquent or on a repayment plan ; and 3. Provide written confirmation of your findings and an updated copy of my corrected credit report.

Please note that knowingly reporting or failing to correct inaccurate information after notice of dispute constitutes a willful violation of the FCRA, which may subject TransUnion and/or the data furnisher to civil liability under 15 U.S.C. 1681n and 1681o. 
I have mailed all of documentation verifying my bankruptcy discharge order, current payment status, and account standing. You are required by law to complete this reinvestigation within 30 days of receiving this notice. 
Failure to correct or delete inaccurate information will leave me no choice but to pursue all remedies available to me under federal law. 
Sincerely, XXXX XXXX Enclosures : - Copy of government-issued ID you have acknowledge youve recirved on 5 different phone calks with a manager there - Proof of address you have acknowledge you received - Bankruptcy discharge and closure documents you have acknowledge you recieved - Account statements or payment confirmations verifying current status - Proof of account closures or correspondence from XXXX Bank you can clearly see on my credit report

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