Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint:
XX/XX/XXXX


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX
SSN: XXXX  	
DOB: XXXX


Experian
XXXX XXXX XXXX XXXX, TX XXXX  
Attention: Consumer Relations,
I recently obtained a copy of my credit report from your service and have found the following items to be in error.  I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.
Item#1: I dispute XXXX  - XXXX, this account was never late. I can provide payment history that account was not late. 
Item#2: I dispute XXXX   Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.
Item#3: I dispute XXXX   Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.
Item#4: I dispute I dispute XXXX   Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.
Item#5: I dispute XXXX XXXX - XXXX, this account is more than 10 years old and should be deleted from report.
Item#6: I dispute this account XXXX XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. Please delete this account.
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.
Thank you for your prompt attention in this matter.
Respectfully, XXXX XXXX XXXX







The inquiries below are not mines.

These lenders have accessed your credit file:
XXXX XXXX XXXX XXXX Companies - 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  
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX   XXXX XXXX
Personal Loan Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX  Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXXXXXX XXXX XXXX XXXX
Personal Loan Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX Finance Companies - 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   Credit Cards
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 XXXX Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX   XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX Finance Companies - 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  All Banks - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX XXXX XXXX XXXX
Mortgage Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX Credit Cards
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
Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXXRemoval date: XX/XX/XXXX XXXX XXXX XXXX
Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/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
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX
Automobile Dealers, New
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXXRemoval date: XX/XX/XXXX
XXXX XXXX XXXX
Finance Companies - 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
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX  Automobile Dealers, Used
Inquiry date: XX/XX/XXXXRemoval date:XX/XX/XXXX
XXXX XXXX XXXX XXXX
Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Federal Government  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
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX  Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXXRemoval date:XX/XX/XXXX
XXXX   XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX  Credit Cards
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
Automobile Dealers, New
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX
Bank Credit Cards
Inquiry date:XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX
Bank Credit Cards
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 XXXX
Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX XXXX XXXX
Automobile Dealers, Used
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  Credit Cards
Inquiry date: XX/XX/XXXX
Removal date:XX/XX/XXXX XXXX XXXX Telephone Service Provider
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
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX XXXX XXXX  
Automobile Dealers, Used
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  Bank Credit Cards
Inquiry date:XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX XXXX XXXX XXXX  Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Removal date:XX/XX/XXXXXXXX XXXX XXXX - Installment Loans
Inquiry date: XX/XX/XXXX
Removal date:XX/XX/XXXX
XXXX XXXX XXXX
Finance Reseller
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX
Auto Financing Companies
Inquiry date:XX/XX/XXXXRemoval date: XX/XX/XXXX
XXXX XXXX XXXX  Finance Companies - non specific
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 XXXX
Auto Financing Companies
Inquiry date:XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX   XXXX XXXX Bank  Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX XXXX XXXX XXXX XXXX
Bank Credit Cards
Inquiry date: XX/XX/XXXX
Removal date:XX/XX/XXXX
XXXX   XXXX  Tenant Screeners  (Reseller)
Inquiry date: XX/XX/XXXX
Removal date:XX/XX/XXXX
XXXX  Tenant Screeners (Reseller)
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Tenant Screeners (Reseller)
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXXXXXX 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  Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX XXXX XXXX XXXX
Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXXRemoval date: XX/XX/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