Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate, outdated, or unverifiable items currently appearing on my credit report. These items may violate my rights under the Fair Credit Reporting Act ( FCRA ), and I am requesting that conduct a full reinvestigation in accordance with FCRA 611 ( 15 U.S.C. 1681i ) and remove or correct any information that can not be properly validated. First, I am disputing XXXX closed accounts currently being reported with derogatory late payment histories XXXX ( Account Ending XXXX ) and XXXX  XXXX ( Account Ending XXXX ). Both accounts report a balance of {$0.00}, indicating they have been closed and paid. Therefore, any continued reporting of late payments is not only unnecessary but also potentially misleading to future lenders. If there is no outstanding debt, these accounts should not reflect a negative status and must be removed or corrected immediately if the derogatory information can not be validated. Additionally, I am disputing the charge-off account reported by XXXX XXXX XXXX XXXX Account Ending XXXX  ), which is being listed with a balance of {$70.00}. I also dispute the charge-off from XXXX XXXX XXXX ( Account Ending XXXX ) for a reported balance of {$11000.00}. I request full validation of these accounts, including documentation of the original agreement, charge-off date, payment history, and any collection efforts. If these debts can not be verified with original and complete documentation, they must be removed from my credit file under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). I am also disputing XXXX collection accounts. The first is reported by XXXX XXXX XXXX, with the original creditor listed as XXXX XXXX XXXX ( Account Ending XXXX ) for a balance of {$1200.00}. The second is reported by XXXX XXXX, with the original creditor listed as XXXX  XXXX XXXX ( Account Ending XXXX ) for a balance of {$1500.00}. These collections may be the result of billing errors, insurance processing issues, or mistaken identity. I request documentation validating the debt, including the full chain of assignment, itemized statements, and proof that the amounts are lawfully owed. If such documentation can not be produced, the accounts must be removed from my credit report under FCRA 611 and FDCPA 809. In addition, I am disputing the repossession entry from XXXX XXXX  ( Account Ending XXXX ) with a balance of {$4600.00}. I have not received confirmation that this repossession was handled lawfully or that the balance reported is accurate. I request verification that the repossession was executed in compliance with all applicable laws, and that the deficiency balance is legitimate and enforceable. If this information can not be verified, the account should be removed as required by law. Finally, I am disputing a hard inquiry reported by XXXX XXXX XXXX XXXX, dated XX/XX/year>. I do not recall authorizing or initiating this inquiry and request documentation proving my consent. If no such authorization exists, this inquiry must be removed from my report in accordance with FCRA 604 and 611. Under FCRA 607 ( b ), has a duty to ensure maximum possible accuracy in all information it reports. I am requesting that you conduct a full reinvestigation into all the accounts and inquiries listed above. Any item that can not be fully verified or that is outdated or misleading must be permanently deleted. Once the reinvestigation is complete, I ask that you provide me with an updated and corrected copy of my credit report along with the name and contact information of all furnishers you contacted in the process.

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