Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am writing to formally dispute certain items that appear on my credit report issued by your bureau. Below is a list of the accounts I dispute, which I believe contain inaccurate and incomplete information under the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation. 
FCRA Violations and Data Breach Inaccurate Information : Per the FCRA, all information reported must be complete and accurate. Accounts that are reported with missing or incorrect information, such as balances or payment status, violate these provisions. 
Incomplete Reporting : Accounts that show " charged off '' or " delinquent '' statuses without reporting the entire payment history leading up to those statuses are incomplete. Such omissions affect my creditworthiness and violate FCRA Section 605. 
Data Breach : If any of the information on the credit report has been affected by a data breach, this must be immediately corrected to ensure that my data is not being misreported or mishandled. 
Disputed Accounts : 1. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Positive Dispute Reason : While the account status is positive, please verify that all payments have been properly reported. 
2. XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Positive Dispute Reason : Please verify the accuracy of reported credit limits and payment history as they may not reflect actual performance. 
3. XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Positive Dispute Reason : Confirm the payment status and whether the account has any delinquencies that should be reported. The account XXXX contain inaccurate late payment data. 
4. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Positive Dispute Reason : I believe this account has been inaccurately reported as " in good standing. '' Please confirm payment history and correct if necessary. 
XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Positive Dispute Reason : Ensure this account is correctly listed, as there may be discrepancies in the payment schedule or terms. 
6. XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Positive Dispute Reason : Verify all account details and payment history to ensure accuracy. 
7. XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Negative Dispute Reason : The account is listed as a " charge off, '' but I dispute the balance and its reporting. There may be inaccuracies in the collection status and past due amounts. 
8. XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Negative Dispute Reason : The account is reported as a collection ; I dispute the validity and accuracy of the debt.

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