Consumer complaint received 2025-07-10 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: OH

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
According to my records and prior disputes, this account was either paid, settled, or closed with no remaining balance. The continued reporting of a balance due is inaccurate and misleading. 
Under the Fair Credit Reporting Act, I am requesting the following : Proof of the remaining balance owed, including itemized statements and the original charge-off documentation. 
If such proof can not be provided, I respectfully request that : The balance be updated to {$0.00}, And/or the charge-off status be removed from my credit report. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
XXXX XXXX XXXX Installment account 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 XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I paid off this account but its still showing that I owe a balance. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
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. 
XXXX  Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$54.00}. 
This account is being inaccurately reported as a charge-off with a {$54.00} balance, even though it is closed and I do not owe any money to this creditor. There are no late payments listed, and the charge-off status contradicts the {$0.00} past-due balance. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you : Provide verification of the charge-off, including the original delinquency date and balance. 
If verification is not provided, remove the derogatory status and update the balance to {$0.00}. 
If the creditor can not confirm the debt is still owed, the item should be deleted entirely from my credit report. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
am disputing the accuracy of the " charge-off '' status for this account ( # XXXX ). There is no past-due balance, no record of missed payments shown, and the account is closed with a {$0.00} balance. 
I request that you : Provide full documentation proving the charge-off status, including charge-off date, original balance, and payment/settlement history, Or, if the account was resolved or settled, update the reporting to remove the derogatory " charge-off '' status as it is misleading. 
If the creditor can not verify the charge-off per the Fair Credit Reporting Act, this item should be removed entirely from my credit report. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 
This XXXX account ( # XXXX ) is being reported as a collection account with a balance of {$100.00}, yet it also shows : A {$0.00} past due balance No late payments The account is closed I request verification of the following : Proof that this account is still owed by XXXX and not transferred to a third-party debt collector, Documentation validating the balance and the collection status. 
If XXXX no longer owns this debt, it should be removed entirely from my credit report under the Fair Credit Reporting Act. If the balance is no longer owed, the collection status must be updated or deleted. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$1000.00}. 
The original creditor is XXXX XXXX XXXX 
Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that XXXX XXXX provide documented proof that they own or have been assigned this debt by XXXX XXXX Bank. If no such documentation is provided, this account must be removed from my credit report immediately. 
Collection account from XXXX with account # XXXX and a balance of {$590.00}. The original creditor is XXXX XXXX. 
Under 15 U.S.C. 1692g ( b ) of the FDCPA, I formally dispute this debt and request full validation, including a signed agreement with the original creditor and proof that XXXX XXXX XXXX is legally authorized to collect on behalf of or has purchased this debt from XXXX XXXX. 
If this can not be verified, this account must be removed from my credit report. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX. 
Under FCRA, 15 U.S.C. 1681s-2 ( b ), I dispute the accuracy and ownership of this alleged XXXX debt. If you can not validate it with supporting documentation from the original creditor, you are required to remove this account from all credit reporting agencies. 
Public Record from a XXXX  XXXX bankruptcy discharged on XX/XX/XXXX. 
I dispute the accuracy and completeness of the bankruptcy public record referenced ( # XXXX ) reported by the U.S. Bankruptcy Court, filed XX/XX/XXXX, closed XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), I request a full investigation and verification of this record with the court. If verification can not be provided, or if the record is incomplete or inaccurate, I demand that this public record be deleted immediately. 
I also dispute the labeling of my previous dispute as frivolous, as I submitted a clear and legitimate dispute letter. Please provide proof of your investigation or remove this record promptly. 
Inquiry from XXXX on XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681i ), I dispute the following hard inquiry made by XXXX on XX/XX/XXXX. I did not authorize this inquiry nor was there a permissible purpose. Please investigate and remove this unauthorized inquiry from my credit report immediately. 
Inquiry from XXXXXXXX XXXX XXXX  on XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681i ), I dispute the following hard inquiry made by XXXX XXXX XXXX on XX/XX/XXXX. I did not authorize this inquiry nor was there a permissible purpose. Please investigate and remove this unauthorized inquiry from my credit report immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681i ), I dispute the following hard inquiry made by XXXX on XX/XX/XXXX. I did not authorize this inquiry nor was there a permissible purpose. Please investigate and remove this unauthorized inquiry from my credit report immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681i ), I dispute the following hard inquiry made by XXXX on XX/XX/XXXX I did not authorize this inquiry nor was there a permissible purpose. Please investigate and remove this unauthorized inquiry from my credit report immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX on XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681i ), I dispute the following hard inquiry made by XXXX on XX/XX/XXXX I did not authorize this inquiry nor was there a permissible purpose. Please investigate and remove this unauthorized inquiry from my credit report immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681i ), I dispute the following hard inquiry made by XXXX XXXX on XX/XX/XXXX. I did not authorize this inquiry nor was there a permissible purpose. Please investigate and remove this unauthorized inquiry from my credit report immediately. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 
I personally signed and sent this letter. 
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