Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to dispute the accuracy of several accounts appearing on my credit reports with XXXX, Experian, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair credit reporting. These accounts appear to be incorrectly associated with me and may belong to my father or grandfather, as I am a XXXX. Below are the details of the disputed accounts : XXXX. XXXX XXXX - XXXX, Experian, XXXX Account # : ** XXXX - **Account Type : ** Revolving, Credit Card - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$340.00} - **High Credit : ** {$380.00} - **Credit Limit : ** {$300.00} - **Discrepancy : ** The account status is reported as open, with a monthly payment of {$40.00}, which I am not aware of. 

XXXX. XXXX XXXX XXXX Experian, XXXX Account # XXXX ** XXXX - **Account Type : ** Credit Line - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$34.00} - **High Credit : ** {$100.00} - **Credit Limit : ** {$1800.00} - **Discrepancy : ** The payment status is current, and there is a monthly payment listed, but I have no knowledge of this account. 

XXXX. XXXX XXXX XXXX Experian Account # : ** XXXX - **Account Type : ** Installment - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$0.00} - **High Credit : ** {$5000.00} - **Discrepancy : ** The account is closed with a history of late payments, which does not match my records. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, Experian Account # : ** XXXX - **Account Type : ** Revolving - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$0.00} - **High Credit : ** {$770.00} - **Credit Limit : ** {$500.00} - **Discrepancy : ** The account is in collection/charge-off status, which I have no knowledge of. 

XXXXXXXX XXXX XXXX XXXX Experian Account # : ** XXXX - **Account Type : ** Revolving, Secured Credit Card - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$240.00} - **High Credit : ** {$1200.00} - **Credit Limit : ** {$1100.00} - **Discrepancy : ** The account is charged off, and I do not recognize this account. 

XXXX. XXXX XXXX XXXX - **Experian, XXXX Account # XXXX ** XXXX - **Account Type : ** Open Account, Collection - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$650.00} - **High Credit : ** {$650.00} - **Discrepancy : ** The account status is derogatory, which does not correspond with my accounts. 

XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ** - **Experian Account # : ** XXXX - **Account Type : ** Collection - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$650.00} - **High Credit : ** {$650.00} - **Discrepancy : ** This account is reported as placed for collection, but I have no knowledge of it. 

XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ** - **Experian Account # : ** XXXX - **Account Type : ** Collection - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$25000.00} - **High Credit : ** {$25000.00} - **Discrepancy : ** The account is in collection/charge-off status, which I do not recognize. 

XXXX. XXXX XXXX **Experian Account # : ** XXXX - **Account Type : ** Installment, Auto Loan - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$8900.00} - **High Credit : ** {$20000.00} - **Discrepancy : ** The account is in collection/charge-off status, but it does not belong to me. 

The FCRA mandates credit reporting agencies to ensure maximum possible accuracy of the information contained in consumer reports ( 15 U.S.C. 1681e ( b ) ). They are also required to investigate and correct any inaccuracies within 30 days of receiving a dispute ( 15 U.S.C. 1681i ).

These discrepancies have been previously disputed, yet they remain unresolved. I urge the CFPB to assist in ensuring these inaccuracies are promptly corrected to prevent further impact on my credit score and financial standing. I have enclosed copies of my credit reports highlighting the disputed accounts, along with my identification and proof of address.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX