Consumer complaint received 2025-08-11 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:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND ASK THESE BE REMOVED THERE ARE 2 ACCOUNTS THAT ARE VALID AND MINE STILL SHOWING BEING LATE UPDATE UPDATE TO PAID AS AGREED REMOVE LATE PAYMENTS ITEMS ARE LISTED BELOW : The following derogatory accounts exceed the 7-year reporting limit, lack verification, or misreport payment status : TransUnion ( 5 items ) : 2 delinquent, 2 collections.

Experian ( 3 items ) : 1 delinquent, 2 collections. 
Equifax ( 5 items ) : 1 delinquent, 1 collection.

Violations : Obsolete information ( 605 ( a ) ( 1 ) ).

Failure to update disputed accounts ( 623 ( a ) ( 5 ) ).

Inaccurate payment status ( CFPB 12 CFR 1022.42 ).

Demand : Delete all derogatory accounts immediately. requires removal per 611 ( c ).

II. COLLECTIONS ACCOUNTS ( FDCPA 809 ( b ) ; FCRA 623 ( a ) ( 8 ), 605B ) The following collections lack validation and proof of ownership : TransUnion : XXXX XXXX XXXX XXXX 
Experian : XXXXXXXX XXXX XXXXXXXX. 
Equifax : XXXX. 
Violations : No validation notice within 5 days of contact ( FDCPA 809 ( b ) ).

No proof of debt ownership ( 623 ( a ) ( 8 ) ).

Fraudulent reporting ( Identity Theft Protections, 605B ).

Demand : per FDCPA XXXX. 
Delete immediately XXXX as fraudulent under 605B. 
XXXXII. LATE PAYMENTS ( FCRA 623 ( a ) ( 3 ) ; CFPB UDAAP ) XXXX ( TransUnion ) : Falsely reported as " Late 60 Days. '' Experian : Unfair " Too many delinquent accounts '' risk factor. 

Violations : Creditor failed to notify of delinquency before reporting ( 623 ( a ) ( 3 ) ).

Unfair/deceptive practices ( CFPB UDAAP ).

Demand : Correct to " Paid as Agreed '' per 623 ( a ) ( 5 ). 

IV. XXXX XXXX XXXX ( FCRA 607 ( b ) ; ECOA 701 ) Scores : TransUnion ( XXXX ), Experian ( XXXX ), Equifax ( XXXX ). 

Unlawful Risk Factors : " Oldest account too recent '' ( TransUnion ). 
" Lack of real estate accounts '' ( Experian ).

Violations : Discriminatory scoring ( ECOA 701 ).

Undisclosed scoring models ( 607 ( b ) ).

Demand : Disclose scoring model used.

Rescore with updated positive data ( 611 ( e ) ).

V. UNAUTHORIZED INQUIRIES & PUBLIC RECORDS ( FCRA 604 ( c ) ; FTC 5 ) Violations : Non-permissible purpose for hard inquiries ( 604 ( c ) ). 

Demand : Delete all unauthorized inquiries immediately. 
VI. EMPLOYMENT & ADDRESS ERRORS ( FCRA 605 ( a ) ( 2 ) ) Obsolete Employers : XXXX XXXX XXXX XXXX XXXX 
Obsolete Address : XXXX XXXX XXXX WRONG INCORRECT ADDRESS Violations : Reporting outdated information beyond permissible window ( 605 ( a ) ( 2 ) ). 
Demand : Delete all obsolete entries. 


PAID AS AGREED DELETE LATE PAYMENTS XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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