Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a full copy of my credit report, and I have found many errors and inaccurate information, and I demand that this account be properly investigated and deleted from my consumer report due to being wrongly reported. It has caused a great deal of frustration in my life, and this is not fair. According to the law, I demand my full rights be carried out, and I will continue to fight for fair credit reporting.Dear Equifax Dispute Department, I am writing to formally dispute the reporting of a closed account appearing on my credit report.

Below are the details of the account in question These accounts listed below I demand be investigated and deleted : 1. Collection account contains
inconsistent reporting across bureaus and must be deleted under 1681i. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT 2. Collection account contains inconsistent reporting across bureaus must be deleted under XXXX. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 3. Collection account contains inconsistent reporting across bureaus and must be deleted under 1681i. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT Status Showing : Closed Account According to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting an immediate investigation and removal of this closed account for the following reason ( s ) : This account is no longer open, and its continued reporting is negatively affecting my credit profile.

There is no permissible purpose for this account to continue reporting, as
outlined in 15 U.S.C.

1681b.

Additionally, under Metro 2 Compliance Reporting Guidelines, closed accounts that are no longer relevant to ongoing creditworthiness should not continue to adversely impact my file.

Please conduct a reinvestigation of this account and provide written confirmation of the outcome within the 30-day time period required by law. 
If you find that the furnisher of this information can not verify the account, I respectfully request that you permanently delete this account from my credit report across all consumer reporting platforms.

Please send all correspondence regarding this dispute to the mailing address listed above.

Thank you for your time and prompt attention to this matter.

Dear Experian Dispute Department, I am writing to formally dispute the reporting of a closed account appearing on my credit report.

Below are the details of the account in question These accounts listed below I demand be investigated and deleted : 1. Collection account contains inconsistent reporting across bureaus and must be deleted under 1681i. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT 2. Collection account contains inconsistent reporting across bureaus must be deleted under 1681i. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT 3. Collection account contains inconsistent reporting across bureaus and must be deleted under 1681i. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT Status Showing : Closed Account According to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting an immediate investigation and removal of this closed account for the following reason ( s ) : This account is no longer open, and its continued reporting is negatively affecting my credit profile.

There is no permissible purpose for this account to continue reporting, as outlined in 15 U.S.C.

1681b.

Additionally, under Metro 2 Compliance Reporting Guidelines, closed accounts that are no longer relevant to ongoing creditworthiness should not continue to adversely impact my file.

Please conduct a reinvestigation of this account and provide written confirmation of the outcome within the 30-day time period required by law.

If you find that the furnisher of this information can not verify the account, I respectfully request that you permanently delete this account from my credit report across all consumer reporting platforms.

Please send all correspondence regarding this dispute to the mailing address listed above.

Thank you for your time and prompt attention to this matter.

Dear TransUnion Dispute Department, I am writing to formally dispute the reporting of a closed account appearing on my credit report.

Below are the details of the account in question These accounts listed below I demand be investigated and deleted : 1. Collection account contains inconsistent reporting across bureaus and must be deleted under 1681i. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 2. Collection account contains inconsistent reporting across bureaus must be deleted under 1681i. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT 3. Collection account contains inconsistent reporting across bureaus and must be deleted under 1681i. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT Status Showing : Closed Account According to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting an immediate investigation and removal of this closed account for the following reason ( s ) : This account is no longer open, and its continued reporting is negatively affecting my credit profile.

There is no permissible purpose for this account to continue reporting, as outlined in 15 U.S.C.

1681b. 
Additionally, under Metro 2 Compliance Reporting Guidelines, closed accounts that are no longer relevant to ongoing creditworthiness should not continue to adversely impact my file.

Please conduct a reinvestigation of this account and provide written confirmation of the outcome within the 30-day time period required by law.

If you find that the furnisher of this information can not verify the account, I respectfully request that you permanently delete this account from my credit report across all consumer reporting platforms. 
Please send all correspondence regarding this dispute to the mailing address listed above. 
Thank you for your time and prompt attention to this matter.

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