Consumer complaint received 2024-02-20 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: NY

Complaint narrative:
XXXX XXXX CO Reported : XXXX XXXX, XXXX - {$3900.00} Closed Overview You have 54 % left to pay on this loan. 

Balance {$3900.00} Highest Balance $ XXXX  Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Term 60 months Payment History XXXX made 44 % of payments for this account on time. 

Payment history table, broken down by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Voluntary surrender, there may be a balance due Fixed rate Times XX/XX/XXXX days late XXXX Closed No Info XXXX  XXXX Reported : XXXX XXXX, XXXX - {$670.00} Closed Overview You're currently using 136 % of your account 's limit. 

XXXX {$670.00} Credit limit $ XXXX  Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX made 32 % of payments for this account on time. 

Payment history table, broken down by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Amount past due {$670.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Account previously in dispute - Now resolved by data furnisher Times XX/XX/XXXX days late XXXX Closed No Info XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX - {$24.00} Closed Overview You're currently using 5 % of your account 's limit. 

Balance {$24.00} Credit limit $ XXXX  Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Payment History Youve made 50 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment No Info Current Payment Status Charge-off Amount past due {$12.00} Worst Payment Status Charge-off Account Details Account status Closed Type Charge Account Responsibility Individual Account. 
Remarks Charged off account Times XX/XX/XXXX days late XXXX Closed No Info XXXX  XXXX Reported : XXXX XXXX, XXXX - {$670.00} Closed Overview You're currently using 136 % of your account 's limit. 

XXXX {$670.00} Credit limit $ XXXX  Monthly payment No Info Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX made 32 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Amount past due {$670.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Account previously in dispute - Now resolved by data furnisher Times XX/XX/XXXX days late XXXX Closed No Info XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed Overview You have 0 % left to pay on this student loan. 

Balance {$0.00} Highest Balance $ XXXX  Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 120 months Payment History XXXX made 64 % of payments for this account on time. 

Payment history table, broken down by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Current Late Unknown Last payment No Info Current Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Account Details Account status XXXX XXXX XXXX XXXX XXXX XXXX Account. 
Remarks No Info Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX  XXXX XXXX : XXXX XXXX, XXXX - Auto XXXX XXXX an error? 
Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX - Auto Financing See an error? 
Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1800.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1800.00} Highest Balance {$1800.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name No Info Closed No Info

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 non-monetary relief