Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX Balance : {$16000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Mortgage Account Type - Detail : XXXX  XXXX XXXX XXXX  XXXX Code : Joint Joint Joint Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX This Is not my account ; my ex-husband owns this through the divorce decree. 

TransUnioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX Balance : {$16000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Mortgage Account Type - Detail : XXXX XXXX XXXX XXXX XXXXXXXX Code : Joint Joint Joint Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX This Is not my account ; my ex-husband owns this through the divorce decree. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX Balance : {$16000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Mortgage Account Type - Detail : XXXX XXXX XXXX XXXX XXXX Code : Joint Joint Joint Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX This Is not my account ; my ex-husband owns this through the divorce decree. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX Balance : {$16000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Mortgage Account Type - Detail : XXXX XXXX XXXX XXXX XXXX Code : Joint Joint Joint Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX This Is not my account ; my ex-husband owns this through the divorce decree.

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