Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am contacting you to dispute inaccurate information reported on my credit report regarding accounts labeled as Late Closed. The first account in question is XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX My records clearly show that this account was fully paid off and closed in good standing, with a {$0.00} balance at the time of closure. Any claim of late payments is inaccurate, as I maintained consistent, on-time payments throughout the life of this account. Similarly, XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX is reported as having late activity, but I never missed a payment, and the account was closed with a {$0.00} balance. I have supporting statements from both creditors confirming timely payments and proper account closure. Misreporting these accounts as late closed unfairly suggests delinquency, damages my credit score, and may negatively affect my ability to obtain credit. I request that these accounts be corrected immediately to accurately reflect my responsible financial behavior. 
I am also disputing several charge-off accounts that are reported incorrectly or misleadingly. XXXX XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX  is marked as a charge-off with a {$330.00} balance, yet I have documentation showing that this account was resolved and any outstanding amount was either settled or paid. XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX and XXXX account XXXXXXXX XXXX XXXX XXXX XXXX show balances of {$0.00} but are reported as charged off, which is misleading because these accounts were already fully satisfied and should not carry a negative status. Additionally, XXXX  account XXXX XXXX XXXX XXXX XXXX and XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  are reported with balances that do not accurately reflect the agreements I completed with the creditors. In particular, XXXX XXXX  {$380.00} balance was resolved via payment plan and cleared, yet the report still shows it as an unresolved charge-off. These discrepancies misrepresent my financial responsibility and are detrimental to my creditworthiness. I request full verification and immediate correction under the Fair Credit Reporting Act ( FCRA ). 
Lastly, I am disputing several collection accounts and inquiries that are either inaccurately reported or missing from my file. XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX shows a {$730.00} balance but is not reported at all in my Experian and TransUnion reports, creating incomplete and inconsistent credit reporting. XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX  ( {$630.00} ) and XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX ( {$1500.00} ) XXXX XXXX are inaccurately reported, including incorrect balances and reporting status. Additionally, multiple credit inquiries, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( XX/XX/year> ), are either missing from my Equifax and TransUnion reports or inaccurately reflected, which can affect my credit evaluation and lending opportunities. The absence and misreporting of these inquiries suggest incomplete reporting and hinder my ability to accurately represent my credit history. I request a thorough investigation of each of these accounts and inquiries, and the removal or correction of all inaccurate information to ensure my credit report is complete, fair, and accurate.

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