Consumer complaint received 2025-10-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : FORMAL NOTICE OF DISPUTE FCRA VIOLATIONS File # ______________ ( leave blank if unknown ) To Whom It May Concern : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I hereby dispute the following items appearing on my TransUnion consumer report dated XX/XX/2025. 
Each entry fails the maximum possible accuracy standard of 15 U.S.C. 1681e ( b ), contains material errors prohibited by 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and must be DELETED immediately under 15 U.S.C. 1681i ( 5 ) ( A ) if your reinvestigation can not verify complete and accurate information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - A. PERSONAL INFORMATION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | Item Code | Field ( EXP ) | Reported Data/ Error | Request | | -- -- -- -- -- -| -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -| | XXXX | Employer | XXXX  | Delete not a legal entity. | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - B. ACCOUNTS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | Item Code | Creditor / Account # | Balance / Status | Date Opened/ Updated | Experian Remarks | Violation Explanation | Request | | -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -| -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -| | XXXX | XXXX XXXX XXXX / XXXX XXXX {$28000.00} / Repo | XXXX / XXXX | {$3200.00} past-due | Balance exceeds original loan by {$6000.00} ; post-repo last active impossible. | DELETE | | XXXX | XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1300.00} XXXX XXXX late | XXXX / XXXX | XXXX lates incl. XXXX | XXXX & XXXX XXXX = XXXX ; XXXXXXXX XXXX XXXXXXXX rating not maximally accurate. | DELETE | | XXXX | XXXX XXXXXXXX | {$6800.00} / XXXX  % util | XXXX / XXXX | Charge-card | Charge-cards have NO preset limit ; reporting {$6600.00} limit is fabricated. | DELETE | | XXXX | XXXX XXXX XXXX XXXXXXXX | {$290.00} / Collection | XXXX / | Collection account | No permissible purpose ; insurance premium lacks contract. | DELETE | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX INQUIRIES ( all lacking permissible purpose ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - | Creditor | Date | Request | | -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- | -- -- -- -- -| | XXXX XXXX XXXX XXXX XXXX | DELETE | XXXX XXXX XXXX XXXX XXXX | DELETE | | XXXX XXXX XXXX XXXX XXXX  | DELETE | | XXXX XXXX XXXX XXXX XXXX | DELETE | | XXXX  | XXXX | DELETE | Sincerely, 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