Consumer complaint received 2025-11-25 00:00:00
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.
State: TX

Complaint narrative:
I am writing to formally dispute multiple inaccuracies reflected on my credit report. The first accounts in question are newly reported charge-offs across all three credit bureaus, including XXXX XXXX XXXX XXXX XXXX with a balance of {$18000.00} XXXX XXXX  and XXXX XXXX XXXX XXXX  with a balance of {$1400.00} XXXX XXXX. While these accounts are reported as charged-off, my records indicate that these balances are either inaccurately reported, miscalculated, or do not reflect ongoing communications, agreements, or payment arrangements I have with the creditors. For instance, the XXXX XXXX account reflects a balance that is inconsistent with my statements and documented efforts to resolve or manage the account responsibly. The XXXX account similarly does not account for payments made and discussions with the creditor to manage the debt. Listing these accounts as charge-offs without verifying the balances or account status misrepresents my credit history, portrays me as delinquent when I am actively managing these obligations, and unfairly impacts my overall creditworthiness. I request that these accounts be thoroughly investigated, verified with the original creditors, and corrected to reflect the accurate balances and status of each account. 
The second paragraph addresses new inquiries that are missing or inaccurately reported in two bureaus, which include XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXX XX/XX/year> )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of these inquiries were authorized by me and represent legitimate attempts to obtain credit, including auto financing, personal loans, and retail accounts. Their absence in the reports results in an incomplete representation of my recent credit activity and can mislead lenders into believing that I have had no recent engagement with creditors. Missing inquiries may affect my credit evaluation, causing potential delays in approvals or unfavorable interest rates. Each inquiry is an important record of my financial behavior, demonstrating responsible credit use and legitimate efforts to seek financing. I request that each inquiry be verified with the originating creditor and accurately reported across all bureaus to ensure that my credit activity is complete and correctly represented. 
Finally, the combination of charge-offs and missing inquiries creates a misleading narrative that negatively impacts my credit profile. The charge-offs appear to suggest delinquency and unresolved debt, while the missing inquiries make it seem as though I have no recent credit activity. Together, these errors distort the reality of my financial behavior and can materially affect decisions by lenders, creditors, or financial institutions reviewing my credit. It is essential that all accounts, balances, and inquiries are verified directly with the original creditors and accurately reported to ensure a fair, complete, and truthful representation of my credit history. I request written confirmation of the investigation and an updated credit report reflecting all necessary corrections. Correcting these errors is critical to ensure my credit profile accurately reflects my responsible management of credit and financial obligations.

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