Consumer complaint received 2025-12-27 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 submitting this follow-up complaint to formally dispute and demand the immediate and permanent deletion of multiple inaccurate, misleading, and incomplete items that continue to be reported on my credit files with Experian, Equifax, and TransUnion, despite prior disputes. The continued reporting of these items violates my rights under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). These inaccuracies have caused ongoing financial harm and have negatively affected my ability to obtain credit, housing, and other essential financial services. 

Multiple XXXX  XXXX XXXX accounts are inaccurately reported as late, closed, or carrying balances when they do not accurately reflect my records. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} reporting on Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} reporting on Equifax * *, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} reporting on TransUnion, all of which are being misreported and must be deleted in full. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} reporting on Experian, Equifax, and TransUnion * * is inaccurately listed and misrepresents my account status and payment history. These entries are misleading, unverifiable, and must be permanently removed to preserve the accuracy of my credit reports. 

Several charge-off accounts are also being reported inaccurately and unlawfully in violation of FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681c-2 ( 605B ), and FCRA 607 ( b ). These include XXXX  XXXXXXXX XXXX  Balance Owed : {$440.00} reporting on Experian, Equifax, and TransUnion * *, as well as XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} reporting on Experian, Equifax, and TransUnion * *. These accounts are inaccurately portrayed as outstanding or delinquent despite reflecting XXXX balances or incomplete verification, and their continued reporting is misleading and harmful. I am demanding their full and permanent deletion. 

My credit reports also reflect a large XXXX  XXXX XXXX account inaccurately listed with a balance of {$32000.00}, reported as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax * *, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion. This information is inconsistent with my records and has not been properly verified. As such, this account must be removed entirely, not corrected or updated. 

Additional zero-balance accounts such as XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} reporting on Experian * * and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} reporting on Equifax * * are also being inaccurately reported and must be deleted in full XXXX 

Finally, multiple collection accounts are being reported in violation of FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and 15 U.S.C. 1681c-2 ( 605B ). These include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2100.00} reporting on Experian, Equifax, and TransUnion * *, as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} reporting on Experian, Equifax, and TransUnion * *. These collection accounts have not been properly validated, are inaccurately reported, and continue to cause significant damage to my credit profile. They must be removed immediately and permanently.

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