Consumer complaint received 2025-11-25 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 several inaccuracies reflected on my credit report. The first accounts in question are charge-off accounts that are missing from Equifax and TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$62.00} XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX XXXX  with a balance of {$130.00} XXXX XXXX These accounts are either partially paid, resolved, or never should have been reported as charge-offs, and their absence from Equifax or misreporting by TransUnion presents an incomplete picture of my credit history. For example, the XXXX  account reflects a minimal balance that I have already addressed or was in dispute at the time of reporting, yet it is not accurately listed on the reports. XXXX XXXX similarly shows a balance that has been satisfied according to my records but is not reported on Equifax, which misrepresents my financial responsibility. Accurate reporting of these accounts is essential to ensure that my credit history is complete, transparent, and reflects my actual account management, and I request that both accounts be fully investigated, verified with the original creditors, and properly reported in all bureaus. 
The second set of accounts under dispute includes a new collection that is missing from both Equifax and TransUnion, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a reported balance of {$2800.00}. While this account has been placed in collections, my records indicate that I have been actively communicating with the creditor to address or dispute the balance, and documentation exists regarding partial payments and negotiations that are not reflected in the current credit reports. The failure to report this account accurately presents an incomplete representation of my credit activity and can create confusion or misinterpretation for lenders reviewing my file. Reporting it incorrectly, or failing to report any updates, can result in undue negative impact on my creditworthiness, affecting potential approvals for loans or other credit products. I request that this account be fully investigated, verified with the original creditor, and updated to accurately reflect the balance, resolution status, and any ongoing agreements. 
Finally, I am disputing several credit inquiries that are either missing or inaccurately reported in XXXX bureaus, which include XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXX XXXX XX/XX/year> ), XXXX XXXX XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX All of these inquiries were authorized and represent legitimate attempts to obtain credit, including personal loans, auto financing, and other credit accounts. Their absence results in an incomplete and misleading representation of my recent credit activity, which can negatively affect my evaluation by lenders, potentially leading to higher interest rates, loan denials, or misinterpretation of my financial behavior. Accurate reporting of these inquiries is essential to ensure a fair assessment of my creditworthiness, reflecting responsible credit-seeking behavior and financial management. I request that each inquiry be verified with the originating creditor and accurately reported across all applicable bureaus to present a complete and truthful representation of my credit history.

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