Consumer complaint received 2025-10-02 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items.

One of the first discrepancies I noticed involved my charge-off account. These accounts appear to have outdated or inaccurate information. Under FCRA 605 ( a ), negative information, such as charge-offs, may only remain on my credit report for seven years from the date of the original delinquencynot the date of the charge-off. Furthermore, FCRA 611 guarantees my right to dispute inaccurate information and requires TransUnion to conduct a reasonable reinvestigation. In addition, FDCPA 809 ensures that I can request validation from the original creditors to confirm these debts are accurate and verifiable. 
CREDIT CONCEPTS XXXX Balance : {$1800.00} I ask that these accounts be fully verified, corrected, or removed if the information can not be confirmed as accurate. 
Several inaccurate personal information on my credit file continue to be inaccurately reported. These inaccuracies not only misrepresent my true identity but also create a misleading and incomplete picture of my credit history. Under the Fair Credit Reporting Act ( FCRA ) 1666, I am protected against errors in my credit information, and the reporting furnisher is legally obligated to investigate and correct, update, or remove any information that is incomplete, inaccurate, or unverifiable. These ongoing errors have the potential to negatively impact my creditworthiness and financial reputation. 
Inaccurate Address : XXXX XXXX XXXX Pl XXXX XXXX, XXXX XXXX, WA, XXXX I therefore insist that all inaccurate personal information be thoroughly reviewed, corrected, or updated immediately to ensure that my credit file accurately reflects my true personal and financial history, in full compliance with federal consumer protection laws. 
Finally, I noticed several inquiries on my report that may not have had a permissible purpose. Under FCRA 604, any consumer reporting agency may only provide access to my credit report for authorized purposes. If any of these inquiries were unauthorized, they must be removed immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these errors has a tangible impact on my ability to represent my creditworthiness accurately. I am requesting that conduct a full reinvestigation of all disputed accounts, correct or remove inaccurate entries, and provide written confirmation of the results within the time allowed under FCRA. 
These errors are preventing me from obtaining fair financial opportunities and misrepresenting my credit history.

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