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 : TransUnion XX/XX/XXXX DPT EDXXXX Account # : XXXXXX/XX/XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Open Monthly Payment : {$60.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Account # : XXXXXX/XX/XXXXAccount Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Open Monthly Payment : {$100.00} Date Opened : XX/XX/XXXX Remove Late pays XXXXXX/XX/XXXXXXXX Account # : XXXXXX/XX/XXXXAccount Type : Installment Account Type - Detail : Secure Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXXAccount # : XXXXXX/XX/XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX Account # : XXXXXX/XX/XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - -XX/XX/XXXXDate Opened : XX/XX/XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XXXX XX/XX/XXXXAccount # :XX/XX/XXXX Account Type : Installment Account Type - Detail : XX/XX/XXXXXXXX Code : Individual Account Status : Derogatory Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX XXXX Account XXXX : XXXXXX/XX/XXXXAccount Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX ExperianXX/XX/XXXXXXXX XXXX Account # : XXXXXX/XX/XXXXAccount Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Open Monthly Payment : {$60.00} Date Opened : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX Account # : XXXXXX/XX/XXXX Account Type : Installment Account Type - Detail : Unsecured loan XXXX Code : Individual Account Status : Open Monthly Payment : {$100.00} Date Opened : XX/XX/XXXX Remove Late pays XXXXXX/XX/XXXXAccount # : XXXX XX/XX/XXXXAccount Type : Installment Account Type - Detail : Secure Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Sunrisecred Account # : XXXXXX/XX/XXXXAccount Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XXXX Cred Account # : XXXXXX/XX/XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXXAccount # : XXXXXX/XX/XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XXXX XX/XX/XXXXAccount # : XXXXXX/XX/XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX EquifaxXX/XX/XXXXXXXX Account # : XXXXXX/XX/XXXXAccount Type : Installment Account Type - Detail : XXXX XXXX XX/XX/XXXX: Individual Account Status : Open Monthly Payment : {$60.00} Date Opened : XX/XX/XXXXXX/XX/XXXXXXXX Account # : XXXXXX/XX/XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Open Monthly Payment : {$100.00} Date Opened : XX/XX/XXXX Remove Late pays XXXXXX/XX/XXXX Account # : XXXX * XXXX * * Account Type : Installment Account Type - Detail : Secure Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Midlandcre XXXX * * * * Account Type : Open Account Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX Account # : XXXX * * * XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX Sunrisecred Account # : XXXX * * * * Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX Crdmgmcomp Account # : XXXX * * * * Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XXXX XX/XX/XXXXAccount # : XXXX * * Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX

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