Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
CFPB COMPLAINT : FORMAL DISPUTE & NOTICE OF MATERIAL DAMAGES Company Name : XXXX XXXX  ( and/or XXXX XXXX XXXX XXXX Relevant Account Numbers : XXXX ( ending in XXXX ), XXXX  ( ending in XXXX ), XXXX  ( ending in XXXX ) I. INACCURATE REPORTING & WRONGFUL WAGE GARNISHMENT ( XXXX XXXX  ) XXXX XXXX  has furnished inaccurate and " re-aged '' information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, account [ XXXX ] was charged off in XX/XX/XXXX, yet XXXX continues to report new, escalating delinquency codes ( 150 and 180 days late ) throughout XXXX and XXXX, and continuous " Charge-Off '' status through XXXX. 
This inaccurate reporting was used as the basis for a wage garnishment totaling {$2700.00}. This garnishment has caused me XXXX, documented financial catastrophe as a XXXX  mother with XXXX children : Mortgage XXXX : The loss of these funds caused me to fall behind on my mortgage. My account was closed, and I faced imminent foreclosure. I was forced to borrow {$1300.00} just to save my home. 
Loss of Vehicle : This financial instability directly led to the loss of my vehicle. I am now forced to walk to work and to buy groceries, and my children are unable to attend school functions due to a total lack of transportation. 
II. CHRONOLOGICAL IMPOSSIBILITY & DATA MIXING ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX  ) and XXXX XXXX  are reporting Account [ XXXX / XXXX ] as being opened on XX/XX/XXXX, under the name XXXX XXXX. 
This is a mathematical impossibility. I did not get married and did not legally assume the name " XXXX '' ( or the associated alias " XXXX '' ) until XX/XX/XXXX. 
Because this debt was allegedly opened 18 months before I possessed that legal identity, the data is fundamentally unverified, inaccurate, and suggests severe data mixing. 
III. PII AND SYSTEMIC REPORTING ERRORS My consumer file is plagued by identity confusion which the furnishers have failed to correct : Incorrect Name/Aliases : My correct name is XXXX XXXX XXXX XXXX My report incorrectly lists XXXX XXXX XXXX as a primary name or alias. 
Unauthorized Addresses : My file contains multiple addresses where I have never resided. 
XXXX XXXX ( XXXX ) : This furnisher is reporting a " Charge-Off '' ( CO ) status every single month from XX/XX/XXXX through XX/XX/XXXX, long after the actual write-off date, which constitutes unfair and inaccurate reporting designed to keep my credit score artificially suppressed. 
IV. FINAL DEMAND FOR RESOLUTION This complaint will only be considered resolved upon : Immediate Financial Restitution : Full repayment of the {$2700.00} lost to wrongful garnishment and the {$1300.00} in associated mortgage penalties/borrowed funds. 
Permanent Deletion : Immediate removal of the XXXX, XXXX XXXX XXXX, and associated XXXX  collection tradelines due to proven inaccuracies and chronological impossibilities. 
PII Correction : Permanent removal of the name XXXX XXXX XXXX and all unauthorized addresses. 

If these issues are not resolved immediately, I am prepared to retain a consumer protection attorney to file a private civil action for damages under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I possess all court and payroll documentation to prove these claims and will present them in a court of law if necessary.

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