Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
I am writing to formally dispute several inaccuracies reflected on my credit report. The first accounts in question are late closed accounts, specifically XXXX XXXX XXXX * * with a balance of {$1100.00} * * and XXXX XXXX * * with a balance of {$530.00} * *. These accounts have been reported as late or delinquent at the time of closure ; however, my records, including monthly statements and closure confirmations from both creditors, show that all payments were made on time and the accounts were responsibly closed. Reporting these accounts as late creates a misleading impression of my financial responsibility and can negatively impact lending decisions, interest rates, or loan approvals. I request that these accounts be fully verified and updated to accurately reflect their status as closed accounts in good standing. Proper reporting of these accounts is essential to ensure my credit history is complete and accurately reflects my responsible financial behavior. 
The second set of accounts under dispute includes charge-off accounts, specifically XXXX XXXX XXXX XXXX XXXX with a balance of {$26000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$850.00}, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$2100.00} * *. These balances and charge-off statuses do not accurately reflect my account history, payments, or any ongoing arrangements I have established with the creditors. For instance, the XXXX XXXX account shows a high balance that does not consider partial payments or settlement discussions, while XXXX  XXXX and XXXX XXXX balances appear inconsistent with statements and payments I have made. Reporting these accounts as charge-offs without proper verification misrepresents my financial responsibility and can severely affect my overall creditworthiness. I request that each account be fully investigated, verified with the original creditors, and updated to accurately reflect the correct balances and account statuses. 
Finally, I am disputing a credit inquiry that is missing or inaccurately reported in XXXX bureaus, specifically XXXX XXXX ( XX/XX/2025 ). This inquiry was authorized by me as part of a legitimate credit application, yet it is absent from the reports, creating an incomplete and misleading representation of my recent credit activity. Missing inquiries can lead lenders to misunderstand my credit-seeking behavior and may negatively affect evaluations for loans, lines of credit, or other financial services. Accurate reporting of all inquiries is essential to ensure that my credit history is complete and reflects responsible financial management. I request that this inquiry be verified with the originating creditor and accurately reported across all bureaus, and that written confirmation of the investigation and any updates be provided to me.

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