Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Issue Categories You Are Reporting : 1. Information belongs to someone else ( identity theft, error ) Multiple name variations not authorized or used by me. 
I am XXXX XXXX XXXX XXXX. Experian is reporting identities including : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These names do not reflect my legal or financial identity. 
2. Information is missing that should be on the report Positive accounts and payment history that I have verified with creditors are omitted or incorrectly classified. 
Some accounts are marked as potentially negative despite being in good standing. 
3. Account information incorrect ( loan balance, payment amount ) XXXX XXXX XXXX : {$700.00} debt was paid to original creditor, but full balance is still shown. 
XXXX XXXX XXXX listed despite showing Never late. 
XXXX XXXXXXXX XXXX : Shows {$190.00} balance post charge-off without accounting for actual payments made. 
4. Account status incorrect ( showing open account as closed, or delinquent when its not ) XXXX XXXX XXXX Active and current but flagged potentially negative. 
XXXX XXXX : Marked 30 days late though never delinquent. Account was paid and closed properly. 
Experian falsely reported a closed status as a charge-off in some cases. 
5. Personal information incorrect ( wrong DOB, address, or name ) Several name errors reported above. 
Potentially outdated or incorrect address references remain on file. 
6. Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) Experian has not provided proper documentation or verification of public record items upon dispute. 
No public records apply to me, yet reinvestigation responses fail to clarify their inclusion. 
7. Old information reappears or never goes away XXXX, resolved, or deleted accounts are reinserted after disputes, sometimes with changed status codes. 
Experian has re-verified items without notice or evidence, in violation of FCRA 1681i ( a ) ( 5 ). 
Name : XXXX XXXX XXXX XXXX Reporting Agencies Involved : XXXX, Equifax, TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Removal of Inaccurate or Unverifiable Information Delete accounts or entries that can not be verified with documentation. 
Remove contradictory account statuses ( e.g., Never XXXX and XXXX XXXX on the same account ). 
Delete any item where the data furnisher failed to respond within the FCRA-required timeframe. 

XXXX. Correction of Account Status and Payment History Correct false delinquency entries, such as : XXXX XXXX Bank marked XXXX  days late despite being paid and closed. 
XXXX XXXX XXXX XXXX potentially negative despite being current. 
Petal/WebBank marked as charge-off even though it states no missed payments. 
Update balances and payment histories to reflect actual payments made. 

3. Deletion of Incorrect Name Variations and Personal Information Remove the following inaccurate name variations from all reports : XXXX A XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Any other variations not matching XXXX XXXX XXXX XXXX Ensure correct and current address, date of birth, and identity data is on file. 

4. Method of Verification ( MOV ) Request Requested the following under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Name and contact info of data furnishers that responded to dispute requests. 
How each account was verified, including the source and method used. 
Copies of verification results, if any. 
Certification that the furnishers complied with the FCRA in their response. 

5. Furnisher Documentation Requests For each disputed account, requested : XXXX of original signed contracts or applications showing liability. 
Proof of debt ownership or assignment ( especially from debt buyers like XXXX XXXX ). 
Any billing or payment history used to justify reported delinquencies or charge-offs. 

6. Reinvestigation History Full summary of dispute processing and updates made ( or not made ). 
Dates of submission, resolution, and changes to each account. 
Notification of any reinserted items ( as required under FCRA 1681i ( a ) ( 5 ) ( B ) ).

7. Notification to Third Parties Request that updated/corrected reports be sent to any party that received the credit report in the past : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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