Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate and incomplete information currently reflected on my credit report, as provided by XXXX, Experian, and XXXX These inaccuracies are not only detrimental to my financial well-being, but XXXX also represent violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). The accounts listed below contain errors that need to be thoroughly investigated and corrected. 


Charged Off Accounts : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Issue : The reported balance is inconsistent with my records. Please provide supporting documentation including a payment history to validate this amount. 

XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} Issue : The payment status is incorrectly reported. I request verification, including detailed transaction records and account statements. 

XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} Issue : I dispute the current balance reported. Please provide a complete account history to clarify the charge-off status and amounts owed. 

XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} Issue : This account 's balance is inaccurate. Please verify the reported balance and provide full documentation of the debt. 

XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} Issue : I request verification of this debt, including the original creditor information and supporting statements, as the reported balance appears incorrect. 

XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} Issue : The balance on this account is not accurate. I request a complete ledger of all transactions, along with verification of the amount owed. 

XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Issue : I dispute the status of this account, as it does not accurately reflect my payment history. Please provide verification of the account 's charge-off status. 

XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Issue : I request full verification of the balance and payment status. The account should be updated to reflect the accurate details. 

XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} Issue : The reported balance is disputed. I request that all supporting documentation for this charge-off be provided for verification. 

XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} Issue : The balance is not consistent with my records. Please provide the payment history and all other relevant documents to verify this amount. 

XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Issue : There is an inconsistency with the status of this account. I request full verification and documentation regarding its current status. 

Inquiries : XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX Late Payments : XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXXXXXX  - Account Number : XXXX XXXX  - Account Number : 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