Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On my Experian credit report, there are multiple accounts that I believe are being reported inaccurately, incompletely, or in a way that violates my consumer rights under federal law. 

XXXX. XXXX XXXX ( XXXX ) The account was opened on XX/XX/XXXX, with a {$500.00} credit limit but is being reported as charged off with a balance of {$740.00}. This exceeds the original credit limit, and I have not been provided a breakdown of the charges or fees that led to this amount. I am requesting full verification and correction or removal under the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX XXXX XXXX XXXX XXXX ) This joint auto loan account was opened on XX/XX/XXXX, and is being reported as a voluntary repossession with {$25000.00} charged off and {$17000.00} still past due. As a co-borrower, I have made efforts to address the issue, while the other borrower has not. I believe the credit impact is being unfairly placed entirely on me. I have not received a full explanation or documentation of how the vehicle was sold, how the deficiency balance was calculated, or how joint responsibility is being reported. I am requesting a full investigation and correction under FCRA. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) This student loan account was opened on XX/XX/XXXX, with a balance of {$2100.00} and is reported as past due. I recognize the account but am concerned that my educational information may have been shared with credit bureaus without my consent, potentially violating the Family Educational Rights and Privacy Act ( FERPA ). I request a reinvestigation and verification of lawful reporting. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) This is a second account, also opened on XX/XX/XXXX, with a balance of {$1100.00} and similar concerns. I believe this may also violate FERPA if my data was disclosed without consent. I request verification and removal if unauthorized. 

XXXX. XXXX XXXX XXXX ( XXXX XXXX ) This collection account, opened on XX/XX/XXXX, with a balance of {$1600.00}, is fraudulent. I did not open or authorize this T-Mobile account and have reported it as identity theft. Despite submitting a fraud dispute, the account is still on my credit report. Under FCRA Section 605B, fraudulent items must be blocked once identity theft is reported and documented. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection account, opened XX/XX/XXXX, with a balance of {$870.00}, was previously disputed and is marked as such, yet no resolution has been provided. I am requesting debt validation and removal if it can not be verified in compliance with FCRA. 

XXXX. XXXX XXXX XXXX XXXX This charged-off account shows a balance of {$620.00}, with the last payment made on XX/XX/XXXX. I am requesting verification of the debt, identification of the current owner ( if sold ), and full investigation into the charge-off reporting. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX This account was charged off and marked as Paid in full for less than full balance. While I acknowledge the settlement, I request a review of the status language, as it may be unnecessarily derogatory. I am asking for reclassification to Paid in Full as a goodwill correction or removal under FCRA if the reporting is inaccurate. 

I am also disputing several hard inquiries from companies such as XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ), which may not have been authorized. I request validation and removal if proof of consent can not be provided. 

I have previously attempted to resolve these matters through direct disputes and fraud reports, with no satisfactory resolution. I am now requesting the CFPB assist in ensuring a proper investigation and correction of all inaccurate, unverifiable, or unauthorized information on my credit file.

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