Consumer complaint received 2025-03-31 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: LA

Complaint narrative:
I am writing to formally dispute several inaccuracies on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have reviewed my credit report dated [ insert date of report, if known, or approximate date ] and identified multiple errors that require investigation and correction. I request that you investigate each item listed below and provide me with a corrected credit report upon completion. Additionally, please provide documentation verifying the accuracy of any disputed items that remain on my report after your investigation. 
Below are the specific items I am disputing, along with an explanation of the inaccuracies : XXXX. XXXX  XXXX - Account # XXXX** - Incorrect Late Payment Reporting** o Issue : This account is reporting late payments that I did not incur. I have consistently made payments on time as agreed. 
o Request : Please verify the payment history with the creditor and remove the inaccurate late payment notations. 
XXXX. XXXX XXXX - Account # XXXX - Charge-Off ( Incorrectly Reported ) ** o Issue : This account is listed as a charge-off, but the status is incorrect. I either paid this account in full or it was settled prior to being charged off. 
o Request : Please investigate and correct the status to reflect the accurate payment history or remove the item if unverifiable. 
XXXX. XXXX XXXX XXXX - Account # XXXX - Charge-Off ( Incorrectly Reported ) ** o Issue : This account is incorrectly reported as a charge-off. I do not owe this debt, or it has been paid in full and should not reflect as charged off. 
o Request : Please verify the debt with the creditor and update or remove this entry accordingly. 
XXXX. XXXX XXXX - Account # XXXX - Charge-Off ( Incorrectly Reported ) ** o Issue : This account is listed as a charge-off, but the reporting is inaccurate. Either the debt was paid, or I never owed this amount. 
o Request : Investigate the account status and correct or delete this entry. 
XXXX. XXXX XXXX - Inquiry Dated XX/XX/XXXX - Unauthorized Inquiry o Issue : I did not authorize this inquiry, nor did I apply for credit with XXXX  XXXX on or around this date. 
o Request : Please remove this unauthorized inquiry from my report and provide proof of authorization if you believe it is valid. 
XXXX. XXXX - Account # XXXX - Incorrect Late Payment Reporting** o Issue : This account shows late payments that are inaccurate. I have made all payments on time as agreed. 
o Request : Verify the payment history with XXXX and correct the erroneous late payment marks. 
XXXX. XXXX - Account # XXXX - Incorrect Late Payment Reporting** o Issue : Similar to the above, this account also reflects incorrect late payments that do not align with my payment records. 
o Request : Investigate and update the payment history to reflect my timely payments. 
XXXX. XXXX XXXX - Account # XXXX - Charge-Off ( Duplicate Entry ) ** o Issue : This account appears twice on my report, which is a duplicate error. It is also incorrectly listed as a charge-off ( see Item 4 ).

o Request : Remove the duplicate entry and correct the status of the original listing. 
XXXX. XXXX XXXX XXXX - Account # XXXX - Collection ( Incorrect Balance Reporting ) ** o Issue : The balance reported for this collection is incorrect. Either the amount is inflated, or the debt has been paid and should show a XXXX  balance. 
o Request : Verify the balance with the creditor and update or delete this entry as appropriate. 
XXXX. XXXX XXXX  - Inquiry Dated XX/XX/XXXX - Unauthorized Inquiry o Issue : I did not authorize XXXX XXXX XXXX XXXX to pull my credit on this date. 
o Request : Remove this unauthorized inquiry and provide documentation if you believe it was permitted. 
XXXX. XXXX - Inquiry Dated XX/XX/XXXX - Unauthorized Inquiry o Issue : This inquiry from XXXX XXXX XXXX XXXX was not authorized by me. 
o Request : Delete this inquiry from my report and provide proof of authorization if it is deemed valid. 
Under the FCRA, you are required to investigate these disputes within 30 days of receipt of this letter. Please remove any items that can not be verified by the creditor or furnisher of information. I have enclosed copies of my identification ( drivers license and Social Security card ) and proof of address ( utility bill ) to confirm my identity. 
Upon completion of your investigation, I request the following : A written summary of your findings for each disputed item. 
An updated copy of my credit report reflecting the corrections. 
Notification to all entities that received my credit report in the past six months of the corrected information. 
If you find that any of these items remain on my report, please provide the name and contact information of the furnisher of the information so I may follow up directly. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe mandated by law. Please send all correspondence to the address listed above. 
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