Consumer complaint received 2025-04-02 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I am writing to formally dispute the following inaccurate, unverifiable, and outdated information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. The accounts listed below contain inaccurate data, and I am requesting their immediate investigation and removal. 
Late Payments The following accounts are reported as " Late Payments, '' but they contain inaccurate reporting : XXXX XXXX XXXXXXXX - This late payment is inaccurate. Please provide a full payment history, including the specific dates of delinquency, or delete it under FCRA 1681s-2 ( a ). 
XXXX XXXX XXXXXXXX - There is no valid proof that this payment was late. Verify or delete under FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX  # XXXX - The date of delinquency appears inconsistent across bureaus. Remove if unverifiable under Metro 2 guidelines. 
XXXX XXXX  XXXX - Incomplete reporting. Provide full payment history or delete. 
XXXX XXXX XXXXXXXX - This late payment does not match the original creditors records. Please verify or delete. 
XXXX XXXX XXXXXXXX - The late payment is inaccurately reported and must be corrected. 
XXXX XXXX XXXXXXXX - Unverified late payment. Requesting a thorough investigation. 
Charge-Offs The following accounts are marked as " Charge-Offs, '' but they contain inconsistencies : XXXX XXXX XXXXXXXX- Please provide the original charge-off date and verification of the amount charged off. 
XXXX XXXX XXXXXXXX - The balance amount does not match across bureaus. Requesting removal. 
XXXX XXXX XXXXXXXX - Charge-off reported inaccurately. Verify or delete. 
XXXX XXXX XXXX - The charge-off status is inconsistent. Please investigate and correct. 
XXXX XXXX XXXX - The account balance history is missing. Provide supporting documents. 
XXXX # XXXX - Inconsistent reporting of charge-off date. Remove if inaccurate. 
XXXX XXXX # XXXX - Charge-off not verified by the original creditor. Please delete. 
XXXX XXXX  # XXXX - There is no proof of valid debt ownership. Remove immediately. 
XXXX # XXXX - Incomplete charge-off information. Requesting documentation. 
XXXX XXXX XXXX  # XXXX - The charge-off was reported incorrectly. Please verify. 
XXXX XXXX XXXX XXXX XXXXXXXX - Disputed due to missing supporting documents. 
XXXX XXXX XXXXXXXX - No proof of ownership. Remove if unverifiable. 
XXXX XXXX XXXXXXXX - Charge-off status contradicts the original lender 's report. Verify. 
XXXX XXXX XXXXXXXX - Requesting deletion due to lack of proper documentation. 
XXXX XXXX # XXXX - The charge-off date does not match across reports. 
XXXX XXXX # XXXX - This account is inaccurately reported and must be corrected. 
XXXX # XXXX- Please provide a complete charge-off history. 
Collections The following accounts appear as " Collections, '' but they contain incorrect or unverifiable information : XXXX XXXX XXXX XXXXXXXX - The amount in collection is inconsistent. Remove if unverifiable. 
XXXX XXXX XXXX # XXXX - No proof of ownership. Verify or delete. 
XXXX XXXX XXXX # XXXX - The collection date is inaccurate. Requesting deletion. 
XXXX XXXX XXXXXXXX - This debt has exceeded the statute of limitations. Remove it. 
XXXX XXXX ( XXXX XXXX XXXX ) # XXXX - Inconsistent balance across bureaus. Verify. 
XXXX ( XXXX ) # XXXX- Debt does not belong to me. Provide proof of authorization. 
XXXX XXXX ( XXXXXXXX XXXX XXXX  # XXXX - The collection account is unverified. Requesting deletion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - No supporting documentation provided. Remove immediately. 
Inquiries The following unauthorized inquiries should be removed as I did not authorize them : TBOM/ASPIRE - XX/XX/XXXX - There is no permissible purpose for this inquiry. Remove under FCRA 1681b. 
XXXX - XX/XX/XXXX - XXXX was not initiated by me. Provide proof of authorization. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized hard inquiry. Remove immediately. 
XXXX XXXX - XX/XX/XXXX - This was not authorized. Delete from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - No permissible purpose for this inquiry. 
XXXX XXXX - XX/XX/XXXX - Unauthorized inquiry. Please remove. 
XXXX XXXX - XX/XX/XXXX - No consumer authorization. Requesting deletion. 

Please complete this investigation within 30 days as required by the FCRA 611 ( a ). Failure to comply may result in legal action. 
Sincerely, 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