Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I am submitting this complaint to formally dispute several inaccuracies that have appeared on my credit report across the three credit bureaus Experian, Equifax, and TransUnion. I have thoroughly reviewed my credit file and found several errors that need immediate attention to ensure compliance with the Fair Credit Reporting Act ( FCRA ). As per FCRA 607 ( b ), the credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy '' of the information they report, and I am disputing these inaccuracies as they violate this regulation.First, my name has been incorrectly reported as XXXX XXXX on Equifax and XXXX XXXX XXXX on Equifax, neither of which accurately represent my full name as it appears on my official records. These discrepancies must be removed immediately to reflect my true identity as " XXXX XXXX XXXX XXXX '' This violates FCRA 605 ( a ), which mandates that only accurate personal information should be reported. The incorrect names reported by Equifax could be a result of mixed files or clerical errors that need to be remove under FCRA 611 ( 15 U.S.C. 1681i ), which requires the credit reporting agencies to reinvestigate disputed information. 
Second, I have identified an issue with my US DEPT ED charge-off account. This account is reported with various balances : {$650.00} on Experian, Equifax, and TransUnion, and {$710.00}, {$710.00}, and {$710.00}, respectively, on each bureau, when the accurate balance should reflect the correct amount according to the original creditor 's statement. 
These discrepancies violate FCRA 605 ( b ) ( 1 ) ( A ), which requires that outdated or inaccurate information be corrected. As such, I am disputing these variations as they are inconsistent and misleading. Additionally, since the charge-off balance exceeds {$600.00}, this account should have been reported with a 1099-C form in accordance with IRS rules for charge-offs over this threshold, which violates the tax reporting regulations for accurate reporting. 
Furthermore, the charge-off for XXXX is reported with a {$0.00} balance on both Experian and TransUnion, which does not match the accurate status of my account. This inconsistency violates FCRA 623 ( a ) ( 2 ), which mandates that furnishers must remove and update information that is inaccurate. Additionally, I have several collections listed on my report that require removal. These include. XXXX XXXX with a {$0.00} balance reported on Experian. XXXX reported on Equifax with a balance of $ XXXXXXXX XXXX XXXX with a balance of {$50.00} on all three bureaus XXXX with a {$0.00} balance reported on Experian and XXXX collections are incorrectly showing up and require verification under FCRA 623 ( b ), which mandates that furnishers of information investigate and delete any inaccuracies. If these accounts can not be verified, they should be removed from my report as stipulated by FCRA 611.Additionally, I am disputing late closed accounts that have been reported incorrectly. Specifically, XXXX XXXX XXXX listed with a {$0.00} balance on both Equifax and TransUnion, yet these accounts should be verified for accuracy, as they are showing as late closed with a {$0.00} balance. This is inconsistent and should not appear in this state if it is inaccurate. This violates FCRA 623 ( a ) ( 2 ), which requires that furnishers remove and update inaccurate information.Lastly, I noticed a specific inquiry, " XXXX XXXX  dated XX/XX/year>, reported on Equifax, which I do not recognize and am disputing as an unauthorized inquiry. This violates FCRA 604 ( a ) ( 3 ), which mandates that only inquiries with permissible purpose be included in my credit report. As this inquiry was not authorized by me, it should be removed from my credit report.Given these errors,

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