Consumer complaint received 2020-10-26
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attached an affidavit XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX {$730.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : XXXX  % Balance on XX/XX/XXXX Loan Amount {$730.00} {$730.00} Payment Info Original loan amount {$730.00} Balance {$730.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX {$480.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Department / Agency / Attorney Paid off : XXXX % Balance on XX/XX/XXXX Loan Amount {$480.00} {$480.00} Payment Info Original loan amount {$480.00} Balance {$480.00} Status date XXXX  XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX  XXXX Original creditor : XXXXXXXX XXXX {$1000.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : XXXX % Balance on XX/XX/XXXX Loan Amount {$1000.00} {$1100.00} Payment Info Original loan amount {$1100.00} Balance {$1000.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX {$650.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : XXXX % Balance on XX/XX/XXXX Loan Amount {$650.00} {$500.00} Payment Info Original loan amount {$500.00} Balance {$650.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX  Original creditor : XXXX XXXX {$320.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : XXXX % Balance on XX/XX/XXXX Loan Amount {$320.00} {$320.00} Payment Info Original loan amount {$320.00} Balance {$320.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$290.00} Balance updated XX/XX/XXXX XXXX XXXX {$68.00} Closed 12 charge-offs Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Cellular Phone Balance on XX/XX/XXXX Loan Amount {$68.00} - Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$68.00} Original loan amount - Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N N N N XXXX N N N N N N Negative Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX {$430.00} Closed 14 charge-offs XXXXXXXX XXXX XXXX XXXX$0.00} Closed 13 charge-offs Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Highest balance - Monthly payment - Late payments XXXX  XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N N N N N N N N XXXX 30 60 90 120 120 120 120 N N XXXX On Time 120+ Days Late 30 Days Late 60 Days Late N Negative 90 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold Invalid date Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX {$0.00} Closed 2 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$0.00} {$150.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Highest balance - Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 90 120 120 120 N N 120+ Days Late N Negative 90 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Transferred to another lender Purchased by another lender Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX {$0.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$0.00} {$150.00} Payment Info Status Credit line closed Status date XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On Time Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX {$0.00} Closed 2 charge-offs Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Charge Account Balance on XX/XX/XXXX Credit Limit {$0.00} {$250.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$0.00} Highest balance - Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 120 120 N N 120+ Days Late N Negative Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Transferred to another lender Purchased by another lender Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX {$500.00} Closed 29 charge-offs XXXX XXXX XXXX {$380.00} Balance updated XX/XX/XXXX XXXX late payment Inquiries XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXs Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Leasing and Rental Reseller Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX

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