Consumer complaint received 2025-03-07 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 am filing this complaint because there are accounts and companies listed on my credit report that do no belong to me and are inaccurate. These entries are negatively affecting my credit score and the ability to obtain credit and loans for school. The following companies are incorrectly listed on my credit report : XXXX. XXXX XXXX ( XXXX XXXX account XXXX ) I have had this card for 12 years. In XX/XX/XXXX, I made an agreement to make 3 payments to bring my account current. The payment arrangement was made by XXXX XXXX, they set the amount and date. I paid the amounts on time for the first 2 payments and the last payment I paid on time but I paid the entire balance of the card off. A week after the {$2900.00} payment was made, My limit went from {$2500.00} to {$1000.00} and I was given two 30 day late and XXXX 60 day late. I contacted them by phone, email as well as filled disputes but nothing has happened. 

XXXXXXXX XXXX- This company is on my credit report 3 times with XXXX account numbers that are all the same but for different amounts. ( XXXX, XXXX, XXXX ) These 3 accounts owe {$150.00}, {$410.00}, {$400.00}. They do not belong to me and I have no knowledge of them. I have called them, emailed them, sent letters in the mail and filed disputes telling them these are not mine. 

XXXX. XXXX XXXX XXXX ) {$470.00} is owed. This account is not mine and I have no knowledge of it. I called the number on the credit report and they told me the company was sold and refused to remove it after having the wrong address and name on the account. 

XXXX XXXX XXXX XXXX XXXXXXXX ) {$3200.00} This account does not belong to me and I have no knowledge of it. 

XXXX ( XXXX ) {$840.00} This account does not belong to me and I have no knowledge of it. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) {$17000.00} This account is not mine and I have no knowledge of it. I contacted this company and requested proof this car purchase was made in my name. They did not send me anything. I told them it was fraud and asked that it would be removed. I filled claims and it was removed from Experian and Transunion but not Equifax. 

XXXX XXXX XXXX XXXX  ) {$480.00} This account is not mine and I have no knowledge of this account. I reached out to them and they told me it was under a different social security and address. I told them it was fraud and nothing was done. 

Inquires : These companies below ran my credit without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have disputed these accounts with Equifax, Experian and Transunion and contacted these companies directly but the accounts remain on 1 or more of my reports inaccurately. These inaccurate entries have caused my credit score to drop over XXXX points, resulting in denial of credit applications as well as applications for school loans. I start school at XXXX XXXX XXXX XXXX XX/XX/XXXX and I can not get past pre-approval because of all the inaccuracies. 

I am requesting the CFPB investigate these companies and ensure these accounts be removed and corrected. I also request all three credit bureaus update my report to reflect these corrections. 

Thank you for your time, 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