Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX Attn : Customer Relations Department XX/XX/XXXX Subject : Request to Fix Errors on My Credit Report Dear Experian Team, I recently checked my credit report with you and found some mistakes that Id like your help to fix. These errors are impacting my credit, and Im hoping we can work together to get them sorted out. The Fair Credit Reporting Act ( FCRA ) allows me to challenge inaccurate information, and Id appreciate your support in reviewing the items below. 

Items Im Disputing : Incorrect Personal Information Former Name : XXXX XXXX Why Its Wrong : This isnt a former name ; its just my name listed incorrectly. 
What I Want : Please correct this to XXXX XXXX. 
Incorrect Personal Information Also Known As : XXXX XXXX Why Its Wrong : This alias is a mistake ; its not a name Ive used. 
What I Want : Please remove this from my report. 
Incorrect Previous Address Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Why Its Wrong : Ive never lived at this address. 
What I Want : Please remove this from my credit report. 
Incorrect Previous Address Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Why Its Wrong : This isnt a place Ive ever resided. 
What I Want : Please remove this from my credit report. 
Incorrect Late Payment Account : XXXX XXXX XXXXXXXX ( Account # XXXX ) Why Its Wrong : Ive always paid on time ; this late payment is incorrect. 
What I Want : Please update the payment status to show all payments as on-time. 
Incorrect Charge-Off Account : XXXXXXXX XXXX XXXX XXXX ( Account # XXXX ) Why Its Wrong : This charge-off isnt accurate and doesnt belong on my report. 
What I Want : Please remove this from my credit report. 
Incorrect Charge-Off Account : XXXX XXXX ( Account # XXXX ) Why Its Wrong : This charge-off is wrong and shouldnt be listed. 
What I Want : Please remove this from my credit report. 
Incorrect Late Payment Account : XXXXXXXX XXXX  ( Account # XXXX ) Why Its Wrong : Ive never been late on this account ; this is an error. 
What I Want : Please update the payment status to reflect on-time payments. 
What Id Like You to Do Under FCRA Section 611 ( 15 U.S.C. 1681i ), Im entitled to ask for an investigation. Heres what Im requesting : Please check these items with the furnishers who reported them. 
Correct or delete the inaccurate information within 30 days. 
Send me an updated credit report once everythings fixed ( FCRA 1681i ( a ) ( 6 ) ( B ) ( ii ) ). 
Id also love to know : Who you contact at each furnisher ( name and address ). 
When you reach out to them. 
How you verify the information ( call, email, etc. ). 
Why This Is Important These mistakes are holding me back, and Im eager to get my credit report cleaned up. Im confident youll handle this quickly and fairly. 

Thanks so much for your help! Ill be looking forward to your response within the FCRAs 30-day timeline. 

Best regards, 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