Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report that are severely impacting my financial health and creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and complete information in their credit reports. It is imperative that credit reporting agencies uphold this law, as errors can lead to unjust financial repercussions for consumers like myself. 
I have identified multiple accounts that are either inaccurately reported or reflect misleading information that is harmful to my credit profile. As a consumer, I demand immediate correction of these inaccuracies to ensure that my credit report reflects my true financial behavior. Your prompt attention to this matter is not only a legal obligation but also a critical step toward rectifying these wrongs. The following accounts require urgent review and correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the classification of this account as a charge-off. The differing dates of last activityXXXX : Not reporting, Experian : XX/XX/XXXX, and XXXX : XXXXindicate inconsistencies in the reporting. This violation of FCRA Section 623 ( a ) requires accurate information to be provided to credit reporting agencies. I request the immediate removal of this account from my credit report due to its unverifiable nature XXXX. XXXXXXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account XXXX. XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$420.00}. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX. XXXX XXXX Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account XXXX. XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$23000.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

7. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 
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