Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #13693725
Complaint Overview
Complaint ID: 13693725
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 79605
Date Received: 2025-05-23T12:00:00-05:00
Date Sent to Company: 2025-05-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Re : Formal Dispute of Inaccurate Account Information & Violations of FCRA * * * * Consumer File Number : * * [ Insert TransUnion File Number, if known ] * * Social Security Number : * * XXXX * * Date of Birth : * * XX/XX/XXXX To Whom It May Concern : I am writing to formally dispute the inaccurate, unverified, and contradictory information associated with the XXXX XXXX account on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, and CFPB regulations, as TransUnion has violated the following legal obligations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in Dispute * * * * Account Name : * * XXXX XXXX ( Placed for Collection ) * * Type : * * XXXX XXXX XXXX Reported Balance : * * {$1800.00} ( Past Due ) * * Account Status : * * Closed ( XX/XX/XXXX ) * * Furnisher Contact : * * XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX -- - # # # * * Specific Violations & Legal Basis * * XXXX. * * False/Misleading Reporting of Closed Account ( FCRA XXXX ( b ) ) * * - The account is listed as " Closed '' but simultaneously reports a " {$1800.00} Amount Past Due '' and " No Info '' for payment status. This violates XXXX ( b ), which requires credit bureaus to follow reasonable procedures to ensure accuracy. A closed account can not logically retain an unresolved past-due balance without formal validation. XXXX. * * Failure to Resolve Consumer Disputes ( FCRA XXXX ( a ) ( XXXX ) ) * * - The remarks explicitly state : * * '' Account information disputed by consumer. " * * Despite this flag, TransUnion has not deleted or corrected the unverifiable {$1800.00} debt, violating XXXX ( a ) ( XXXX ) XXXX mandate to remove unverified information. XXXX. * * Incomplete/Misleading Collection Reporting ( FCRA XXXX ( a ) ( XXXX ) ) * * - The account is now linked to XXXX XXXX XXXX XXXX XXXX XXXX there is no evidence of lawful debt transfer or validation from the original furnisher ( XXXX XXXX XXXX XXXX This violates XXXX ( a ) ( XXXX ), which requires furnishers to provide complete, accurate data. XXXX. * * Failure to Update Account Status ( FCRA XXXX ( c ) ) * * - The account was allegedly closed on XX/XX/XXXX, but continues to report derogatory information without a refreshed status code. This violates XXXX ( c ), which prohibits reporting outdated negative information. XXXX. * * Systemic Negligence in Reinvestigations ( FCRA XXXX ( a ) ( XXXX ) ) * * - Prior disputes ( XXXX XXXX XXXX XXXX XXXX ) remain unresolved, and new contradictions ( e.g., " Closed '' vs. " Past Due '' ) demonstrate willful noncompliance with XXXX ( a ) ( XXXX ) XXXX reinvestigation requirements. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demanded Actions * * - * * Immediate Deletion * * of the XXXX XXXX account from my credit file under FCRA XXXX ( a ) ( XXXX ), as the debt is unverified, contradictory, and violates Metro 2 reporting standards. - * * Written Confirmation * * of deletion and an updated credit report sent within XXXX days. - * * Notification to All Third Parties * * who received this data in the past XXXX months, per FCRA XXXX ( d ). -- - * * Legal Notice : * * Failure to resolve these violations within XXXX days will compel me to pursue claims under FCRA XXXX ( willful noncompliance : statutory damages up to {$1000.00} + punitive damages ) and XXXX ( negligent noncompliance : actual damages + legal fees ). Sincerely, * * XXXX XXXX * * * * Enclosures : * * - Copy of Government-Issued ID - List of Prior Dispute Reference Numbers ( XXXX XXXX XXXX XXXX XXXXXXXX ) * * CC : * * Consumer Financial Protection Bureau XXXX CFPB ) | XXXX Attorney General -- - * This dispute is submitted via E-Oscar and Metro 2-compliant channels. Legal action will be initiated if violations persist. *
Frequently Asked Questions
What is Complaint #13693725 about?
Complaint #13693725 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-05-23T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.