Consumer complaint received 2025-12-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: XXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXXRE: FORMAL COMPLAINT & DEMAND FOR IMMEDIATE INVESTIGATION AND DELETION OF\nINACCURATE, UNVERIFIABLE, DUPLICATED, AND UNAUTHORIZED CREDIT REPORTING\nTo Whom It May Concern,\nI am submitting this formal written complaint to request immediate intervention regarding multiple\ninaccurate, duplicated, unauthorized, unverified, and misleading credit reporting entries appearing on\nmy consumer file. These errors violate my rights under the FCRA, FACTA, FCBA, FDCPA, and ECOA.\nThese inaccuracies are causing significant financial harm. I request that all disputed, duplicated, and\ninconsistent accounts be corrected or deleted within FOUR (4) days due to the severity of these\nviolations.\nI. ACCOUNTS BEING DISPUTED\XXXX XXXX XXXX XXXX  Multiple Duplicated Accounts\n- Revolving account  $XXXX  Charge-off\n- Revolving account  $XXXX  Charge-off\n- Revolving account  $XXXX  Charge-off\n- Installment account  $XXXX  Charge-off\n- Installment account  Profit & Loss Write-Off\n- Accounts showing contradictory statuses (closed by consumer & charge-off)\nThese XXXX XXXX accounts appear multiple times with different balances, dates, and coding,\nviolating FCRA 607(b), 602, and 623(a)(1)(A). All duplicate and conflicting entries must be deleted.\nCFNA / XXXX  (XXXX)\n- Account #XXXX  $XXXX  Charge-off\nContains incorrect payment history and unverifiable reporting.\nUnauthorized Inquiry\n- XXXX XXXX XXXX (Equifax)\nNo FCRA 604(a) permissible purpose exists.\nII. PERSONAL INFORMATION DISPUTES\nIncorrect addresses, incorrect employer information, incorrect name variations, and mixed-file identity\nelements must be removed under FCRA 609(a).\nIII. FULL REVIEW REQUEST\nI request that all credit bureaus and furnishers review my entire credit file, remove duplicate XXXX accounts, correct inconsistent reporting, delete unverifiable information, and provide written\nconfirmation.\nIV. REQUIRED ACTION\nI request a complete reinvestigation, deletion of inaccurate and duplicated data, removal of incorrect\npersonal information, removal of unauthorized inquiry, and written response. All corrections must be\ncompleted within FOUR (4) days.\nSincerely,\XXXX XXXX XXXX\n\n\ncredit report\nTransUnion\tExperian\tEquifax\nCredit Report Date:\XXXXName:XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlso Known As:XXXX XXXX XXXX XXXXFormer:XXXXDate of Birth:XXXXnCurrent Address(es)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPrevious Address(es):XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEmployers:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion\tExperian\tEquifax\nAccount XXXXAccount Type:\tRevolving account\tREVOLVING\tRevolving\nAccount Type - Detail:\tRevolving account\tCharge Card\tRevolving\nBureau Code:\tIndividual account\tIndividual\tIndividual Account\nAccount Status:\tClosed\tClosed\tClosed\nMonthly Payment:\t$XXXX\t-\t-\nDate Opened:XXXXBalance:\t$XXXXXXXXNo. of Months (terms):\t-\tRevolving\tMonthly (due every month)\nHigh Credit:\t$XXXX\t-\t-\nCredit Limit:\t$XXXX\t$XXXX\t$XXXX\nPast Due:\t$XXXX\t$XXXX\t$XXXX\nPayment Status:\tCharged off as bad debt\tCharge-off\tCharge-off\nLast Reported:XXXXComments:\t\nAccount closed by consumer\nAccount closed at consumers request\nCHARGED OFF ACCOUNT\nDate Last Active:XXXXDate of Last Payment:XXXX XXXX XXXXTransUnion\tExperian\tEquifax\nAccount #:XXXXAccount Type:\t-\t-\tInstallment\nAccount Type - Detail:\t-\t-\tInstallment\nBureau Code:\t-\t-\tIndividual Account\nAccount Status:\t-\t-\tClosed\nMonthly Payment:\t-\t-\t-\nDate Opened:XXXXBalance:XXXXNo. of Months (terms):\t-\t-\tMonthly (due every month)\nHigh Credit:\t-\t-\t-\nCredit Limit:\t-\t-\t-\nPast Due:XXXXPayment Status:\t-\t-\tCharge-off\nLast Reported:XXXXComments:\t\t\t\nCHARGED OFF ACCOUNT\nFIXED RATE\nDate Last Active:XXXXDate of Last Payment:XXXXTransUnion\tExperian\tEquifax\nAccount #:XXXXAccount Type:\tRevolving account\tREVOLVING\tRevolving\nAccount Type - Detail:\tRevolving account\tCharge Card\tRevolving\nBureau Code:\tIndividual account\tIndividual\tIndividual Account\nAccount Status:\tClosed\tClosed\tClosed\nMonthly Payment:\t$XXXX\t-\t-\nDate Opened:XXXXBalance:XXXXNo. of Months (terms):\t-\tRevolving\tMonthly (due every month)\nHigh Credit:\t$XXXX\t-\t-\nCredit Limit:\t$XXXX\t$XXXX\t$XXXX\nPast Due:\t$XXXX\t$XXXX\t$XXXX\nPayment Status:\tCharged off as bad debt\tCharge-off\tCharge-off\nLast Reported:XXXXComments:\t\nAccount closed by consumer\nAccount closed at consumers request\nCHARGED OFF ACCOUNT\nDate Last Active:XXXXDate of Last Payment:XXXX XXXX XXXXTransUnion\tExperian\tEquifax\nAccount #:XXXXAccount Type:\t-\t-\tInstallment\nAccount Type - Detail:\t-\t-\tInstallment\nBureau Code:\t-\t-\tIndividual Account\nAccount Status:\t-\t-\tClosed\nMonthly Payment:\t-\t-\t-\nDate Opened:XXXXBalance:XXXXNo. of Months (terms):\t-\t-\tMonthly (due every month)\nHigh Credit:\t-\t-\t-\nCredit Limit:\t-\t-\t-\nPast Due:\t-\t-\t$XXXX\nPayment Status:\t-\t-\tCharge-off\nLast Reported:XXXXComments:\t\t\t\nCHARGED OFF ACCOUNT\nFIXED RATE\nDate Last Active:XXXXDate of Last Payment:XXXX XXXX XXXX XXXXTransUnion\tExperian\tEquifax\nAccount #:\t-\t5XXXX\t-\nAccount Type:\t-\tINSTALLMENT\t-\nAccount Type - Detail:\t-\tUnsecured Loan\t-\nBureau Code:\t-\tIndividual\t-\nAccount Status:\t-\tClosed\t-\nMonthly Payment:\t-\t-\t-\nDate Opened:XXXXBalance:\t-\t$XXXX\t-\nNo. of Months (terms):\t-\t60 Months\t-\nHigh Credit:\t-\t$XXXX\t-\nCredit Limit:\t-\t-\t-\nPast Due:\t-\t$XXXX\t-\nPayment Status:\t-\tCharge-off\t-\nLast ReportedXXXXComments:\t\t-\t\nDate Last Active:XXXXDate of Last Payment:XXXX XXXXTransUnion\tExperian\tEquifax\nAccount #:XXXXAccount Type:\tInstallment account\t-\t-\nAccount Type - Detail:\tInstallment account\t-\t-\nBureau Code:\tIndividual account\t-\t-\nAccount Status:\tClosed\t-\t-\nMonthly Payment:\t$XXXX\t-\t-\nDate Opened:XXXXBalance:\t$XXXX\t-\t-\nNo. of Months (terms):\tMonthly\t-\t-\nHigh Credit:\t$XXXX\t-\t-\nCredit Limit:\t$XXXX\t-\t-\nPast Due:\t$XXXX\t-\t-\nPayment Status:\tCharged off as bad debt\t-\t-\nLast Reported:XXXXComments:\t\nProfit and loss writeoff\nDate Last Active:XXXXDate of Last Payment:XXXX XXXX XXXXTransUnion\tExperian\tEquifax\nAccount #:XXXXAccount Type:\t-\t-\tRevolving\nAccount Type - Detail:\t-\t-\tRevolving\nBureau Code:\t-\t-\tIndividual Account\nAccount Status:\t-\t-\tClosed\nMonthly Payment:\t-\t-\t-\nDate Opened:\t-\t-\XXXX\nBalance:\t-\t-\t$XXXX\nNo. of Months (terms):\t-\t-\tMonthly (due every month)\nHigh Credit:\t-\t-\t-\nCredit Limit:\t-\t-\t$XXXX\nPast Due:\t-\t-\t$XXXX\nPayment Status:\t-\t-\tCharge-off\nLast Reported:XXXXComments:\t\t\t\nCHARGED OFF ACCOUNT\nDate Last ActiveXXXXDate of Last Payment:XXXX XXXX XXXXTransUnion\tExperian\tEquifax\nAccount #:XXXXAccount Type:\t-\t-\tRevolving\nAccount Type - Detail:\t-\t-\tRevolving\nBureau Code:\t-\t-\tIndividual Account\nAccount Status:\t-\t-\tClosed\nMonthly Payment:\t-\t-\t-\nDate Opened:\t-\t-\XXXX\nBalance:\t-\t-\t$XXXX\nNo. of Months (terms):\t-\t-\tMonthly (due every month)\nHigh Credit:\t-\t-\t-\nCredit Limit:\t-\t-\t$XXXX\nPast Due:\t-\t-\t$XXXX\nPayment Status:\t-\t-\tCharge-off\nLast Reported:\t-\t-\XXXX\nComments:\t\t\t\nCHARGED OFF ACCOUNT\nDate Last Active:\t-\t-\XXXX\nDate of Last Payment:XXXX XXXX XXXX XXXXTransUnion\tExperian\tEquifax\nAccount #XXXXAccount Type:\t-\tREVOLVING\t-\nAccount Type - Detail:\t-\tCredit Card\t-\nBureau Code:\t-\tIndividual\t-\nAccount Status:\t-\tClosed\t-\nMonthly Payment:\t-\t-\t-\nDate Opened:\t-\XXXX\t-\nBalance:\t-\t$XXXX\t-\nNo. of Months (terms):\t-\tRevolving\t-\nHigh Credit:\t-\t-\t-\nCredit Limit:\t-\t$XXXX\t-\nPast Due:\t-\t$XXXX\t-\nPayment Status:\t-\tCharge-off\t-\nLast Reported:\t-\XXXX\t-\nComments:\t\t\nAccount closed at consumers request\nDate Last Active:\t-\XXXXt-\nDate of Last Payment:XXXXXXXX XXXX XXXX XXXXTransUnion\tExperian\tEquifax\nAccount #:XXXXAccount Type:\t-\tREVOLVING\t-\nAccount Type - Detail:\t-\tCredit Card\t-\nBureau Code:\t-\tIndividual\t-\nAccount Status:\t-\tClosed\t-\nMonthly Payment:\t-\t-\t-\nDate Opened:\t-\XXXX\t-\nBalance:\t-\t$XXXX\t-\nNo. of Months (terms):\t-\tRevolving\t-\nHigh Credit:\t-\t-\t-\nCredit Limit:\t-\t$XXXX\t-\nPast Due:\t-\t$XXXX\t-\nPayment Status:\t-\tCharge-off\t-\nLast Reported:\t-\XXXX\t-\nComments:\t\t\nAccount closed at consumers request\nDate Last Active:\t-\XXXX\t-\nDate of Last Payment:XXXX XXXXTransUnion\tExperian\tEquifax\nAccount #XXXXAccount Type:\tRevolving account\t-\t-\nAccount Type - Detail:\tRevolving account\t-\t-\nBureau Code:\tIndividual account\t-\t-\nAccount Status:\tClosed\t-\t-\nMonthly Payment:\t$XXXX\t-\t-\nDate Opened:\XXXX\t-\t-\nBalance:\t$XXXX\t-\t-\nNo. of Months (terms):\t-\t-\t-\nHigh Credit:\t$XXXX\t-\t-\nCredit Limit:\t$XXXX\t-\t-\nPast Due:\t$XXXX\t-\t-\nPayment Status:\tCharged off as bad debt\t-\t-\nLast Reported:\XXXXt-\t-\nComments:\t\nAccount closed by consumer\nDate Last Active:\tXXXX\t-\t-\nDate of Last Payment:\tXXXX\t-\t-\XXXX XXXX\nTransUnion\tExperian\tEquifax\nAccount #:XXXXAccount Type:\tRevolving account\t-\t-\nAccount Type - Detail:\tRevolving account\t-\t-\nBureau Code:\tIndividual account\t-\t-\nAccount Status:\tClosed\t-\t-\nMonthly Payment:\t$XXXX\t-\t-\nDate Opened:\tXXXX\t-\t-\nBalance:\t$XXXX\t-\t-\nNo. of Months (terms):\t-\t-\t-\nHigh Credit:\t$XXXX\t-\t-\nCredit Limit:\t$XXXX\t-\t-\nPast Due:\t$XXXX\t-\t-\nPayment Status:\tCharged off as bad debt\t-\t-\nLast Reported:\tXXXX\t-\t-\nComments:\t\nAccount closed by consumer\nDate Last Active:\tXXXX\t-\t-\nDate of Last Payment:\tXXXX\t-\t-\nInquires:\nCreditor Name\tType of Business\tDate of inquiry\tCredit BureauXXXX XXXX XXXXXXXXEquifax'

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