Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and erroneous information reported on my credit report by TransUnion, Experian, and Equifax. I have identified several accounts that are incorrectly reported as derogatory, which is negatively impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), I request that the Consumer Financial Protection Bureau investigate these inaccuracies and ensure that the credit bureaus correct or remove the erroneous information. 
Below are the details of the accounts in question : XXXX. XXXX ( Account XXXX * * * * ) Reported on : XX/XX/year> ( TransUnion ), XX/XX/year> ( Experian ), XX/XX/year> ( Equifax ) XXXX : Collection/Chargeoff Remarks : Placed for collection ; consumer disputes- reinvestigation in progress Issue : This account is incorrectly reported as a charge-off. I have been in contact with XXXX, and they have confirmed that this account should not be in collections. Additionally, I have initiated a dispute, but the reinvestigation status has not been updated to reflect the correct status. 
XXXX. XXXX ( Account XXXX * * * * ) Reported on : XX/XX/year> ( TransUnion ), XX/XX/year> ( Experian ), XX/XX/year> ( Equifax ) Status : Collection/Chargeoff Remarks : Subscriber reports dispute resolved - consumer disagrees Issue : I have resolved this account with XXXX, and they have confirmed that the account should no longer be reported as a charge-off. However, the credit bureaus continue to report it as derogatory despite my dispute. 
XXXX. XXXX XXXX ( Account XXXX * * * * ) Reported on : XX/XX/year> ( TransUnion ), XX/XX/year> ( Experian ), XX/XX/year> ( Equifax ) Status : Collection/Chargeoff Remarks : Consumer disputes- reinvestigation in progress Issue : This account is incorrectly reported as a charge-off. I have been working with XXXX XXXX to resolve this, and they have agreed that the account should not be in collections. The reinvestigation status has not been updated to reflect this resolution. 
XXXX. XXXX XXXX ( Account XXXX * * * * ) Reported on : Not specified ( TransUnion ), Not specified ( Experian ), Not specified ( Equifax ) Status : Collection/Chargeoff Remarks : Charged off as bad debt Issue : This account was incorrectly charged off. I have settled this account with XXXX XXXX, and they have confirmed that it should no longer be reported as a charge-off. The credit bureaus have not updated this status. 
XXXX. XXXX ( Account XXXX * * * * ) Reported on : Not specified ( TransUnion ), Not specified ( Experian ), Not specified ( Equifax ) Status : Late XXXX  Days Remarks : Late XXXX  days ; dispute resolved - reported by subscriber Issue : This account is reported as late, but I have resolved the dispute with XXXX, and they have confirmed that the late status should be removed. The credit bureaus have not updated this information. 
I request that the CFPB investigate these accounts and ensure that TransUnion, Experian, and Equifax correct the inaccurate information. These errors have caused my credit scores to be unfairly lowered ( TransUnion : XXXX, Experian : XXXX, Equifax : XXXX ), affecting my ability to secure favorable credit terms. 
Please find attached copies of my credit reports highlighting the disputed items, along with correspondence with the creditors confirming the resolutions. I also request that the credit bureaus provide me with updated credit reports once the corrections are made. 
Thank you for your attention to this matter. I look forward to your prompt investigation and resolution. Please contact me at the above email or phone number if you require any additional information.

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