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: NC

Complaint narrative:
I am writing to dispute several inaccuracies listed on my credit report. The first accounts I am disputing are Late Closed accounts reported across all three credit bureaus, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all with a reported balance of {$0.00} XXXX XXXX. While these accounts show no outstanding balance, they have been inaccurately reported as late or delinquent at closure, which misrepresents my financial responsibility. My records, including account statements and closure confirmations from each creditor, demonstrate that these accounts were fully paid and closed responsibly. These errors make it appear as if I failed to manage my accounts properly, which is not true. Accurate reporting of these accounts is essential, as late or negative entries on closed accounts can mislead lenders and affect my ability to obtain credit or favorable financial terms. I respectfully request that these accounts be thoroughly reviewed, corrected, and updated to reflect the fact that they were closed in good standing with a {$0.00} balance. 
The second category of accounts I am disputing are Charge-Off accounts reported in all three bureaus, including XXXX XXXX XXXX XXXX  XXXX {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$470.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2400.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$3500.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$610.00} ) XXXX XXXX. Several of these accounts, despite showing balances of {$0.00}, are inaccurately labeled as charged-off, and others display balances that do not reflect the agreements I reached with the creditors, including resolved payments, settlements, or account adjustments. For instance, XXXX and XXXX XXXX balances have been partially addressed or are under dispute, yet they are reported as fully delinquent, which is misleading. Similarly, the XXXX accounts showing {$0.00} are falsely reported as charge-offs despite having been resolved in full. This inaccurate reporting paints a false picture of my financial responsibility, potentially damaging my credit reputation and limiting my ability to obtain loans, lines of credit, or favorable interest rates. I request that these accounts be verified directly with the original creditors and corrected or removed to reflect my actual payment history and account resolutions.

Finally, I am disputing several credit inquiries that are either missing or incorrectly reported in two of the bureaus, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( XX/XX/XXXX XXXX XXXX All of these inquiries were authorized by me and reflect legitimate attempts to obtain credit, including auto financing and retail accounts. The absence of these inquiries in the credit reports creates an incomplete picture of my credit activity, potentially causing lenders to assume that I have no recent credit inquiries or financial engagement, which could negatively impact loan approvals, interest rates, and other financial decisions. Accurate reporting of these inquiries is essential for a fair evaluation of my creditworthiness, as it demonstrates my responsible financial behavior and provides context for my overall credit activity. I request that these inquiries be fully verified with the originating creditors and accurately reported across all bureaus to ensure a complete and truthful representation of my credit history.

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