Consumer complaint received 2025-08-18 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: NC

Complaint narrative:
I reviewed a copy of my credit report on XXXX and identified multiple inaccuracies these accounts are not mine and some are listed multiple items. I have identified several that have the same number on each account. I believe this this amounts to a " double jeopardy '' situation. Please remove these items from all credit reporting agencies.

Below are the items with either identical account numbers or balance amounts. The account numbers are different in some as the supposed collections agencies, who I have no contractual or agreement relationship as none of this is my debt has changed the account. XXXX XXXX ( Experian ) shows an amount of {$640.00} but the limit was {$300.00} it reports as a charge off but still maintains a balance of {$640.00}, while stating it is a charge off and the balance was updated XX/XX/XXXX. The report also continues to report a " charge off status '' every month after it was initially reported on XX/XX/XXXX. It appears as though they are " re-aging '' this account.

XXXX  reports this account as " charged off but also reports a balance. There appears to be an attempt to " re-age '' this account by reporting that the " date of last payment '' is XXXX but the " First Major Delinquency '' is reported as 6 weeks after the stated the last payment, which could not be so after since this is account is unknown to me. 

XXXX  also reports this as a charge off but continues to report it as a balance of {$640.00}. It also reports a continued charge off in the months following what they say was the initial charge off date. 

Please remove this from my credit reports as they are inaccurate and per federal law should be permanently removed from all credit reports. 

With the XXXX are reported by EXPERIAN as being opened in XX/XX/XXXX then reports no payment history but then reports the charge off date as XXXX. There are no 30,60,90,150,180 late days. The company was sold so why are the still reporting if this is the case. These inaccuracies invalidate the debt and it should be deleted from the credit report. XXXX  also allows this company to continue to report including month after month charge off status. It also has been sold.

All of the following have the same account number though some report with the first few digits and others use the last. 
EXPERIAN-XXXX  {$910.00} EXPERIANXXXX {$910.00} XXXX- ( listed as closed ) LVNV {$910.00} XXXX- ( listed as closed ) Continental {$910.00} XXXX {$910.00} XXXX XXXX {$910.00} All of these are listed as " closed '' or " sold. '' Please remove these accounts due to these inaccuracies and the fact they are not mine.

EXPERIAN- XXXX XXXX with an amount of {$650.00}. This agency appears to be a collection agency and I have no contractual document or agreement with them. It should be removed from my credit report immediately. 
XXXX XXXX with an amount of {$650.00}. Again this is a collection agency and I have no contract or agreement with them and this is not my debt.

The last account is XXXX XXXX XXXX in the amount of {$710.00}. I have researched and this is a collection agency. I again have no contractual agreement with this company. It also does not identify who an original creditor might be so I can verify it. Again, not my 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