Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Report Information under FCRA 611 * * To Whom It May Concern, I am writing to formally dispute inaccurate and outdated information on my TransUnion credit report, dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX File Number : XXXX XXXX XXXX XXXX XXXX ). Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. 

Please investigate and correct the following errors : -- - # # # 1. * * Incorrect Name Formatting * * * * * Reported As : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Correct Name : * * XXXX XXXX XXXX This duplication of my name is inaccurate and must be corrected to avoid confusion or misidentification by lenders. 

-- - # # # 2. * * Outdated/Incorrect Addresses * * * * * Incorrect/Outdated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, MD ( XXXX resided in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MD ( incorrect ) Please remove these outdated or inaccurate addresses, retaining only my current and correct address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX *. 

-- - # # # 3. * * Outdated/Incorrect Employer * * * * * Incorrect XXXX XXXX XXXX XXXX XXXX  XXXX have not been employed by XXXX. Other listed employers such as XXXX or XXXX are more accurate but incomplete. 

Please update my employment history to reflect accurate current/recent positions or remove unverifiable employment data. 

-- - # # # XXXX. * * Duplicate or Incorrect Account Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Account ID ( partial ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : * * Charged off for \ {$7.00} account marked XXXX days late This amount is so small ( \ {$7.00} ) that I suspect a reporting or billing error. I am requesting a full verification of this debt and a correction if this charge-off is in error. 

-- - # # # XXXX. * * Account Paid CURRENT ( Secured Card ) * * * * * Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account ID ( partial ) : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : * * Marked as Charge-Off even though paid in full on XX/XX/XXXX This account was paid in full. Reporting it as a charge-off violates FCRA 623 ( a ) ( 2 ) as the data is * * incomplete and misleading * *. Please correct this to reflect Paid in Full without derogatory charge-off status.


-- - Please investigate these items and correct or delete any inaccurate, incomplete, or unverifiable information. As required by FCRA 611, I expect results of your investigation within 30 days. I have enclosed a copy of my ID and a copy of the credit report with the disputed items highlighted.

Sincerely,

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