Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
My Personal information was exposed on XXXX XXXX XXXX and my information was stolen and i do not recognize these accounts listed below.

To Whom It May Concern, I am writing to formally dispute inaccurate information reflected in a credit report that was filed with your agency. The report in question contains erroneous data that does not accurately reflect my financial history or obligations.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am requesting that this information be investigated and removed promptly. I assert that all information listed is incorrect, and I believe it constitutes a violation of my rights under federal law.

Please initiate an investigation into the matter and provide me with written confirmation of the steps taken, as well as the outcome. I expect all disputed information to be removed or corrected accordingly.

Attached are copies of relevant documents supporting my dispute, including [ list any documents you've included, e.g., prior correspondence, account statements, or identification ].

I appreciate your prompt attention to this issue and look forward to your response. 



Account name XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$630.00} written off. 
Status updated XXXX XXXX Balance Account info Account name XXXX XXXX XXXX Account number XXXX  Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$180.00} written off. {$120.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$180.00} Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX XXXX opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Account info Account name XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2200.00} Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4600.00} Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Account info Account name XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$750.00} Account info Account name XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$220.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$220.00} Account info Account name XXXX  XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$110.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$110.00} Account info Account name XXXX Account number XXXX Account type Deposit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$5.00}, XXXX written off. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$5600.00}

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