Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Subject : Dispute of Fraudulent Accounts, Inquiries, Addresses, and Employers on My Credit Report Dear Sir/Madam , I hope this letter finds you well. I am writing to formally dispute several accounts, inquiries, addresses, and employers that have appeared on my credit report, which I believe to be erroneous. These items have reappeared despite being previously addressed. Below are the accounts, inquiries, addresses, and employers in question : Accounts : Account Name/Number : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off, {$6100.00} past due as of XX/XX/XXXX Balance : {$6100.00} Credit Limit : {$8300.00} Last Payment Date : XX/XX/XXXX Account Name/Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid in settlement Original Balance : {$940.00} Last Payment Date : XX/XX/XXXX Account Name/Number : XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection account, {$17000.00} past due as of XX/XX/XXXX Balance : {$17000.00} Original Balance : {$17000.00} Account Name/Number : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX Date Opened : XX/XX/XXXX Status : Collection account, {$450.00} past due as of XX/XX/XXXX Balance : {$450.00} Incorrect Inquiries : XXXX XXXX Inquired on : XX/XX/XXXX Business Type : Auto Financing Companies Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX Record until : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX Business Type : Auto Financing Companies Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX until : XX/XX/XXXX XXXX  XXXX XXXX Inquired on : XX/XX/XXXX Business Type : Auto Financing Companies Address : XXXX XXXX XXXX, XXXX, MA XXXX Record until : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX Business Type : Auto Financing Companies Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Record until : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX Business Type : Bank Credit Cards Address : XXXX XXXX  XXXX XXXX XXXX, XXXX , DE XXXX Phone : ( XXXX ) XXXX Record until : XX/XX/XXXX XXXX  XXXX Inquired on : XX/XX/XXXX Business Type : Automobile Dealers, New Address : XXXXXXXX XXXX XXXX, XXXX, NY XXXX Phone : ( XXXX ) XXXX Record until : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX Business Type : Finance Companies - Non-specific Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Record until : XX/XX/XXXX Incorrect XXXX : XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Employers : XXXX XXXX XXXX I have previously taken the necessary steps to file fraud alerts and police reports regarding these accounts, inquiries, addresses, and employers. As I did not open these accounts or authorize these inquiries, nor have any association with the incorrect addresses or employers listed, I kindly request that you investigate these matters further and remove these fraudulent items from my credit report permanently. 
Enclosed are the following documents for your reference : A copy of my government-issued ID A copy of my previous credit report showing that these accounts, inquiries, and addresses were removed ( if applicable ) Any other documentation that may assist in your investigation I understand that under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputes and correct any inaccuracies on my credit report within 30 days. I respectfully request that you complete your investigation promptly and confirm in writing once these items have been removed. 
Please feel free to contact me should you need further information to assist with this matter. 
Thank you for your prompt attention to this dispute. I look forward to hearing from you soon regarding the resolution of this issue. 
Sincerely, XXXX XXXX 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