Consumer complaint received 2025-09-11 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: WI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing this complaint as a concerned and proactive consumer who has identified inaccurate and misleading items on my credit report. I am submitting this dispute in accordance with the Fair Credit Reporting Act ( FCRA ), and I respectfully request that the listed accounts and inquiries be thoroughly investigated and removed if found to be unverifiable, inaccurate, or outdated. 

The following accounts were fully paid and closed with a {$0.00} balance, yet they are still reporting late payment notations : XXXX XXXX  XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I do not believe these accounts were delinquent at the time of closure. These late payments are misleading, and I believe they are misreported. Under the FCRA : Section XXXX ( b ) requires consumer reporting agencies to maintain the maximum possible accuracy of reported information. 

Section XXXX ( a ) allows consumers to dispute and request reinvestigation of any item believed to be inaccurate. 

Section XXXX ( a ) ( XXXX ) obligates furnishers to correct or update inaccurate or incomplete information. 

Section XXXX ( a ) limits how long negative information can be reported, especially when the account is closed and paid in full. 

Additionally, I found XXXX XXXX collection accounts listed as derogatory, even though both show {$0.00} balances : XXXX Account No : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} I was never notified of these accounts being placed in collections, and I no longer owe any balance. If the debts are resolved, they should no longer be reported as negative items. Under the FCRA : Section XXXX ( b ) requires a reasonable investigation of disputed items. 

Section XXXX ( a ) permits consumers to dispute any unverifiable data. 

Section XXXX ( b ) reinforces the need for accuracy and completeness. 

Section XXXX ( a ) ( XXXX ) grants me the right to obtain the original source and documentation of the data. 

If the creditor can not provide proper documentation to support the continued reporting of these collections, they must be deleted. 


Finally, I noticed the following XXXX  inquiries that I do not recall authorizing : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I take great care when applying for credit, and I do not authorize XXXX  pulls unless I explicitly consent. These inquiries raise concerns that my information was accessed without my permission. Under the FCRA : Section XXXX ( a ) allows credit file access only with a permissible purpose and consumer consent. 

Section XXXX ( a ) requires users of credit reports to certify a legitimate reason for obtaining the information. 

Section XXXX ( a ) ( XXXX ) gives me the right to know who accessed my file and why. 

Section XXXX ( a ) gives me the right to dispute unauthorized inquiries, and if no authorization

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