Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
I have found several inaccuracies and unauthorized inquiries on my consumer report and would lithe accounts updated effective immediately. Personal information. only the name. XXXX XXXX XXXX should be present on my consumer report The aliases. XXXX XXXXXXXX XXXX and. ALSO KNOWN AS XXXX XXXX XXXXXXXX must be deleted the YEAR OF BIRTH XXXX must be removed Only the address XXXX XXXX XXXX XXXX, LA XXXX Should be present on my consumer report. This address is correct. Any other addresses are non mailable I can not be reached nor contacted at any of these addresses .. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX these addresses must be removed immediately In the I would like this in accurate information removed from all forms of my consumer report. Which is my right under XXXX XXXX XXXX. EMPLOYERS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report CHARGED OFF ACCOUNT Account name : XXXXXXXX XXXX XXXX XXXX Account number XXXX Status Charge off Opened XXXX XXXX, XXXX Balance {$480.00} Account name : XXXX XXXX - XXXX XXXX Account number XXXX Opened Sep. XXXX, XXXX ( XXXX yrs, XXXX mos ) Status : Charged off Balance : {$1600.00} Account name : XXXX XXXX Account number XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Status : Charged off Balance {$5000.00}.. XXXX XXXXXXXX XXXX XXXX Account number XXXXThese accounts are incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. 10 usc 1692GB The following Late payments are in violation of my rights as a federally protected consumer per the FCRA Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be reversed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated to report accurately. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account violates my rights as a federally protected consumer and these late payments miser be reversed Immediately. 15 usc 1681a. This account is to stay OPEN AND ACTIVE. Do not close this account. I am not disputing this account i am not requesting IT to be closed. I am calling attention to the violation of 15 USC 1666B timing of payments Account name : XXXX XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX  Late payments XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  Please reverse these late payment remarks on my consumer report. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be addressed within four business days as permitted by federal law

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