Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian, I am writing to express my continued dissatisfaction with the handling of my credit report, particularly concerning the accounts that have been charged off or sold. Despite my prior letters and disputes, these accounts continue to show past due amounts, which should not be the case, as the balances were charged off or transferred to another company. The date of last activity is also incorrect. 

I have made several attempts to resolve these issues, and Experians repeated failure to properly verify and validate this information is highly concerning. If Experian had truly verified and validated the details on my report, these inconsistencies would not persist. Furthermore, the erroneous listings of addresses, phone numbers, inquiries, and even relatives who are entirely unknown to me only add to the confusion. 

Specifically, I want to address the following points : 1. **Incorrect Balance on Charged-Off Accounts : ** My XXXX XXXX account is still showing a balance, which is incorrect. Charged-off accounts should reflect a balance of {$0.00}. The same issue applies to my XXXX and XXXX accounts. If Experian had genuinely verified the information, these updates would not appear, as these accounts were closed years ago and sold to other companies. 

2. **Invalid Personal Information : ** I am alarmed by the number of people, addresses, and phone numbers wrongly associated with my profile. To name a few, I have no connection to individuals such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or anyone else listed in my credit file. 

3. **Name Mismatch : ** My last name is **XXXX**, not **XXXX**. I do not know anyone by the name of XXXX XXXX, and there is no reason my name should be associated with that individual. 

4. **Address Error : ** An address listed as my previous residence, XXXXXXXX XXXX XXXXXXXX, is incorrect. After a thorough investigation, Experian should have noted that this address is a business, not a residential area, and should not be listed under my personal information.

5. **Unresolved Fraud and Identity Theft Issues : ** I have submitted multiple police reports, FTC reports, and documents showing evidence of someone using my SSN and name with their own date of birth. Despite this, Experian has continually ignored these reports and allowed fraudulent information to remain on my credit file.

6. **Inaccurate Inquiries : ** There are more than XXXX inquiries on my report that I have disputed multiple times, yet Experian has failed to address or investigate them properly.

Experians continued failure to accurately validate the information and rectify the discrepancies in my file is unacceptable. This has caused undue harm to my credit profile and has made it difficult for me to make necessary financial decisions. I request that you immediately investigate the inaccuracies on my credit report and delete the following items : - Any charged-off accounts showing balances, such as the XXXX XXXX XXXX XXXX, and XXXX accounts. Payments showing XXXX payments where made, then another time, payments were paid including 62 % of balance All inaccurate. There are balance on this charged off account that was sold to another company but XXXX XXXX  showing. Dates of last payment different and incorrect. Last activity different several times. 
XXXX XXXX states paid XXXX percent of balance how can XXXX go to XXXX but XXXX percent was paid and card has been closed with last payment in 2021 so interest was being adding after the card was closed? I asked for documents of how this information was determined accurate and verified and never received anything. 
Prepay and Chime The same incorrect information. 


- Any names, addresses, phone numbers, and inquiries that are not connected to me, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other erroneous associations. 
- The incorrect address XXXXXXXX XXXX XXXXXXXX, which is a business address and not a residence. 
- Any other fraudulent or incorrect information related to my file, including identity theft documents. 

This letter serves as a final request for Experian to rectify these issues. If Experian continues to ignore my concerns or fails to resolve them adequately, I will be forced to escalate this matter through legal avenues and file complaints with the the Federal Trade Commission ( FTC ), my states attorney generals office, and XXXX  please my attachments provide proof this information was never validated, or verified. 

Please respond to this letter promptly with the results of your investigation and confirmation that these inaccuracies have been corrected. 

Sincerely, 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