Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report Dispute for File Number XXXX Dear XXXXransUnion Consumer Solutions , I am writing to formally dispute inaccurate and incorrect information contained in my credit report, which was created on XX/XX/XXXX under file number XXXX. I have identified several discrepancies that require immediate correction. 

XXXX XXXX XXXX XXXX. Personal Information Errors The following addresses do not belong to me and should be removed : - 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** - Account was closed but contains past due notations from XXXX. Please update to " Paid as Agreed '' or remove it. 
- *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ** - This account is marked as a charge-off, and I dispute the accuracy of this information. Please validate or remove it. 
- XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX ) ** - I have no knowledge of this account, and I request verification of this debt. If verification can not be provided, it should be removed immediately. 
- XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX ) ** - This account does not belong to me. Please provide documentation proving the validity of this account or remove it from my report. 
- XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX  ** - This account has been closed for many years, yet it still appears on my report. Please remove it if it is outdated. 
- **Comenity XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** - This account was closed in XXXX and should no longer be on my report. Please remove it. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This account was closed in XXXX but is still on my report. Please remove it. 

XXXX XXXX XXXX XXXX Incorrect Inquiries The following inquiries were made without my authorization and should be removed : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Resolution To resolve this matter fairly, I request : - **Immediate removal of all inaccurate negative items**, including collections, charge-offs, and late payments. 
- **Deletion of all unauthorized hard inquiries** that were not initiated by me. 
- **Correction of personal information**, including removal of incorrect addresses, phone numbers, and name variations. 
- **Update of account statuses**, ensuring closed accounts are correctly reported and incorrect charge-offs are removed. 

If the disputed items can not be verified, they should be permanently deleted from my credit report per the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my identification and relevant supporting documents to assist with the investigation. If you need any additional information, please contact me at the phone number or email listed above. 

Thank you for your prompt attention to this matter. 

**Sincerely, ** XXXX 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