Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX account ending XXXX XXXX XXXX Account Type : Individual XXXX  Credit Card Account Status : Charge off Date Opened : XXXX  Date Closed : XXXXXXXX  Last Reported : XX/XX/XXXX Credit Limit : {$2000.00} Balance : {$170.00} Past Due Amt : {$170.00} Original Charge Off Amt : {$2100.00} Last Payment : XX/XX/XXXX High Balance : {$2200.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX account ending : XXXX Account Type : Individual Utility Company Account Status : Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$340.00} Past Due Amt : {$340.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX. 
aqccount ending XXXX XXXX  Account Type : Individual Utility Company Account Status : Collection Date Opened : XXXXXX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$460.00} Past Due Amt : {$460.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX account ending XXXX XXXX XXXXXXXX Account Type : Individual Telecommunications/Cellular Account Status : Collection Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$310.00} Past Due Amt : {$310.00} High Balance : {$310.00} XXXX XXXX XXXX XXXX  Credit XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Type : Individual Credit Card Account Status : Paid/Closed Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXXXXXX  Credit Limit : {$500.00} Balance : {$0.00} Last Payment : XX/XX/XXXX High Balance : {$580.00} Transuniun : XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX account ending XXXX XXXX XXXX  Account Type : Individual XXXX  Credit Card Account Status : Charge off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$2000.00} Balance : {$170.00} Past Due Amt : {$170.00} Original Charge Off Amt : {$2100.00} Last Payment : XX/XX/XXXX High Balance : {$2200.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX account ending : XXXX Account Type : Individual Utility Company Account Status : Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$340.00} Past Due Amt : {$340.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
aqccount ending .. XXXX Account Type : Individual Utility Company Account Status : Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$460.00} Past Due Amt : {$460.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX account ending : .. XXXX Account Type : Individual Telecommunications/Cellular Account Status : Collection Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$310.00} Past Due Amt : {$310.00} High Balance : {$310.00} XXXX ) XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account Type : Individual Credit Card Account Status : Paid/Closed Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$500.00} Balance : {$0.00} Last Payment : XX/XX/XXXX High Balance : {$580.00} Equifax : XXXX ) Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX account ending XXXX XXXX XXXXXXXX Account Type : Individual XXXX  Credit Card Account Status : Charge off Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$2000.00} Balance : {$170.00} Past Due XXXX : {$170.00} Original Charge Off Amt : {$2100.00} Last Payment : XX/XX/XXXX High Balance : {$2200.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX account ending : XXXX Account Type : Individual Utility Company Account Status : Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$340.00} Past Due Amt : {$340.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
aqccount ending XXXX XXXX Account Type : Individual Utility Company Account Status : Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$460.00} Past Due Amt : {$460.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX account ending XXXX XXXX XXXX  Account Type : Individual Telecommunications/Cellular Account Status : Collection Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$310.00} Past Due Amt : {$310.00} High Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Individual Credit Card Account Status : Paid/Closed Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Reported : XX/XX/XXXX Credit Limit : {$500.00} Balance : {$0.00} Last Payment : XX/XX/XXXX High Balance : {$580.00}

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