Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
I am a consumer who is attempting to fix my credit, and I am writing to dispute the following information on my credit reports from XXXX, Experian, and XXXX. Below is a detailed list of the disputed accounts and issues with the information reported Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX You said : You are just a consumer that is trying to fix your credit. Draft me a statement to be used in CFPB filing. It should be separated for each bureau. These are the accounts in disputes : XXXX XXXX CHARGED OFF XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX POSITIVE XXXX XXXX LATE PAYMENT ============================== XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX said : Here is a CFPB filing draft statement separated by each bureau, based on the accounts in dispute : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Date : [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report I am a consumer who is attempting to fix my credit, and I am writing to dispute the following information on my credit reports from XXXX, Experian, and XXXX. Below is a detailed list of the disputed accounts and issues with the information reported. 

Equifax Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Inquiries : XXXX Date : XX/XX/XXXX Experian Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries : XXXX Date : XX/XX/XXXX Late Payments XXXXXXXX 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