Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
XXXXRecently I did an investigation on my credit report and found several items on there to be inaccurate.XXXXUnder 15 U.S. Code 1681e (b)Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.XXXX15 U.S. Code 1681i (5)Treatment of inaccurate or unverifiable information(A)In general if, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shalli)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and(ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.XXXXPlease remove the following items from my credit report, immediately:XXXXTransunion:XXXX XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XXXXResponsibility Authorized Account\nAccount Type Revolving Account\nLoan Type XXXX  XXXX XXXX XXXXDate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCredit Limit (Hist.) Credit limit of XXXX from XXXX to XXXX XXXX  from XXXX XXXX XXXXEstimated month and year this item will be removed 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 XXXXCredit Limit (Hist.) Credit limit of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEstimated month and year this item will be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXResponsibility Authorized Account\nAccount Type Revolving Account\nLoan Type CREDIT CARD\nDate Updated 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 XXXXCredit Limit (Hist.) Credit limit of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEstimated month and year this item will be removed XXXX XXXX XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XXXXResponsibility Individual Account\nAccount Type Revolving Account\nLoan Type CREDIT CARD\nDate Updated XXXX XXXX XXXX XXXX XXXX XXXXPay Status >Charge-off<\nTerms Paid Monthly\nDate Closed XXXXCredit Limit (Hist.) Credit limit of XXXX from XXXX XXXX XXXXEstimated month and year this item will be removed XXXXAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XXXXResponsibility Authorized Account\nAccount Type Revolving Account\nLoan Type CREDIT CARD\nDate Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHigh Balance (Hist.) High balance of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCredit Limit (Hist.) Credit limit of XXXX from XXXX XXXX XXXXEstimated month and year this item will be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXResponsibility Individual Account\nAccount Type Revolving Account\nLoan Type SECURED CREDIT CARD\nDate Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHigh Balance (Hist.) High balance of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCredit Limit (Hist.) Credit limit of XXXX XXXX XXXX XXXX XXXXEstimated month and year this item will be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XXXXResponsibility Individual Account\nAccount Type Open Account\nLoan Type XXXX XXXX XXXX XXXX XXXXHigh Balance XXXXPast Due $1,389\nPay  Status >Collection<\nDate Closed XXXXEstimated month and year this item will be removed 0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXResponsibility Individual Account\nAccount Type Open Account\nLoan Type XXXX XXXX XXXX XXXXHigh Balance XXXXOriginal Creditor XXXX\nPast Due XXXX\nPay Status >Collection<\nEstimated month and year this item will be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XXXXResponsibility Individual Account\nAccount Type Open Account\nLoan Type XXXX XXXX  XXXX\nDate Updated XXXXHigh Balance XXXXOriginal Creditor XXXX XXXX XXXXPast Due XXXXPay Status >Collection<\nEstimated month and year this item will be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XXXXResponsibility Individual Account\nAccount Type Open Account\nLoan Type XXXX XXXX XXXXDate Updated XXXXHigh Balance XXXXOriginal Creditor XXXX XXXX XXXX XXXX XXXXPast Due XXXXPay Status >Collection<\nEstimated month and year this item will be removed XXXX XXXX XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XXXXResponsibility Individual Account\nAccount Type Open Account\nLoan Type XXXX XXXX XXXXDate Updated XXXXHigh Balance XXXXOriginal Creditor XXXX XXXX XXXX XXXX XXXXPast Due XXXXPay Status >Collection<\nEstimated month and year this item will be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XXXXResponsibility Individual Account\nAccount Type Open Account\nLoan Type XXXX XXXX XXXXDate Updated XXXXHigh Balance XXXXOriginal Creditor XXXX XXXX XXXX XXXXPast Due XXXXPay Status >Collection<\nEstimated month and year this item will be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XXXXResponsibility Individual Account\nAccount Type Open Account\nLoan Type XXXX XXXX XXXXDate Updated XXXXHigh Balance XXXXOriginal Creditor XXXX XXXX XXXXPast Due XXXXPay Status >Collection<\nEstimated month and year this item will be removed 1XXXXEQUIFAXXXXX XXXX XXXX XXXX XXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nRETAIL\nLoan Type\nDEBT_BUYERS_ACCOUNT\nOriginal Creditor NameXXXX XXXX XXXX XXXX XXXXMonths Reviewed\n10\nActivity Designator\XXXX XXXX XXXXAccount NumberXXXX XXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nRETAIL\nLoan Type\nDEBT_BUYERS_ACCOUNT\nOriginal Creditor NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nRETAIL\nLoan Type\nDEBT_BUYERS_ACCOUNT\nOriginal Creditor Name\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nBANKING\nLoan Type\nXXXXnOriginal Creditor NameXXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nBANKING\nLoan Type\nDEBT_BUYERS_ACCOUNT\nOriginal Creditor Name\XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\n-\nLoan Type\XXXXnOriginal Creditor Name\n-XXXX XXXX XXXX XXXXAccount NumberXXXX XXXXAccount Status\nCOLLECTION\nOwner\nINDIVIDUAL\nAccount Type\nOPEN\nCreditor Classification\nBANKING\nLoan Type\nDEBT_BUYERS_ACCOUNT\nOriginal Creditor Name\nXXXX XXXX XXXX XXXX XXXX 8082\nAccount Status\nCHARGE_OFF\nOwner\n-\nAccount Type\nREVOLVING\nCreditor Classification\n-\nLoan Type\nCREDIT_CARD\nOriginal Creditor Name\n-\n\n\nXXXX XXXX XXXXAccount NumberXXXX XXXXAccount Status\nCHARGE_OFF\nOwner\n-\nAccount Type\nREVOLVING\nCreditor Classification\n-\nLoan Type\nFLEXIBLE_CREDIT_CARD\nOriginal Creditor Name\n-XXXX XXXX XXXX XXXXAccount NumberXXXX XXXXAccount Status\nCHARGE_OFF\nOwner\nINDIVIDUAL\nAccount Type\nREVOLVING\nCreditor Classification\n-\nLoan Type\nCREDIT_CARD\nOriginal Creditor Name\n-\n\n\nXXXX XXXX XXXX XXXX XXXXAccount NumberXXXX XXXXXXXXAccount Status\nCHARGE_OFF\nOwner\nINDIVIDUAL\nAccount Type\nREVOLVING\nCreditor Classification\n-\nLoan Type\nCREDIT_CARD\nOriginal Creditor NameXXXX XXXXAccount NumberXXXX XXXXnAccount Status\nCHARGE_OFF\nOwner\nINDIVIDUAL\nAccount Type\nREVOLVING\nCreditor Classification\n-\nLoan Type\nSECURED_CREDIT_CARD\nOriginal Creditor Name\n-XXXXEXPERIANXXXX XXXX XXXXAccount info\nAccount numberXXXXDate opened\nXXXX XXXX XXXXAccount type\nCollection\nStatus\nCollection account. XXXX  past due as of XXXX XXXXStatus updatedXXXX XXXX XXXX XXXXAccount info\nAccount numberXXXXDate opened\XXXX XXXX XXXXAccount type\nDebt Buyer\nStatus\nCollection account. XXXX past due as of XXXX XXXXStatus updatedXXXX XXXX XXXX XXXXAccount info\nAccount numberXXXXDate openedXXXX XXXX XXXXAccount type\nDebt Buyer\nStatus\nCollection account. XXXX past due as of XXXX XXXXStatus updatedXXXX XXXX XXXX XXXXAccount info\nAccount numbeXXXXDate openedXXXX XXXX XXXXAccount type\nDebt Buyer\nStatus\nCollection account. XXXX past due as of XXXX XXXXStatus updatedXXXX XXXX XXXX XXXXAccount info\nAccount numberXXXXDate openedXXXX XXXX XXXXAccount type\nDebt Buyer\nStatus\nCollection account. XXXX past due as of XXXX XXXXStatus updatedXXXX XXXX XXXX XXXXAccount info\nAccount numberXXXXDate openedXXXX XXXX XXXXAccount type\nDebt Buyer\nStatus\nCollection account. XXXX  past due as of XXXX XXXXStatus updatedXXXX XXXX XXXXAccount info\nAccount numberXXXXOpen/closed\nClosed\nDate openedXXXX XXXX XXXXAccount type\nCell PhoneXXXX XXXX XXXXAccount info\nAccount numberXXXXOpen/closed\nClosed\nDate openedXXXX XXXX XXXXAccount type\nSecured LoanXXXX XXXXAccount info\nAccount numberXXXXOpen/closed\nClosed\nDate openedXXXX XXXX XXXXAccount type\nUnsecuredXXXX XXXXAccount info\nAccount numberXXXXOpen/closed\nClosed\nDate opened\XXXX XXXX XXXXAccount type\nUnsecured'

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