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: TN

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to charge-off accounts. The first account is XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$0.00} * *, which is inaccurately reflected across the bureaus. According to my records, this account was fully paid and closed in good standing, and any reporting of a charge-off or delinquent status is misleading. The second account, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also shows a XXXX balance, yet my documentation confirms that the account was managed responsibly with all payments made on time prior to closure. Lastly, XXXX XXXX * shows a balance of {$1.00}, which is a minor discrepancy that does not reflect my full repayment history and should be updated to show accurate resolution. Reporting these accounts incorrectly misrepresents my payment history and can negatively affect my overall creditworthiness. I request that all three charge-off accounts be thoroughly investigated, verified with the original creditors, and updated to reflect their accurate balances and statuses, ensuring my credit report properly portrays my responsible financial behavior. 
The second category involves collection accounts, several of which are missing from Equifax and misreported across other bureaus. These include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX * with a balance of {$530.00} * *, XXXX XXXX * * with a balance of {$2000.00} * *, and XXXX XXXX XXXX - XXXX XXXX XXXX XXXX with a balance of {$8400.00} *, which is not reported on Equifax. Each of these accounts has either been partially resolved, disputed, or inaccurately reflected in terms of balance and status. For example, the XXXX XXXX XXXX  account was disputed at the time of reporting, yet it still appears as a negative collection in some bureaus. The XXXX XXXX XXXX account, despite being substantial, is entirely missing from Equifax, creating an incomplete credit history and a distorted representation of my obligations. Accurate reporting of these collections is essential, as missing or misrepresented accounts can significantly affect lenders evaluations, credit approvals, and my ability to obtain fair financing. I request that these accounts be fully investigated with the original creditors and corrected across all bureaus to reflect accurate balances and resolution statuses. 
Finally, I am disputing several credit inquiries that are missing or inaccurately reported in Equifax and TransUnion, which include 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 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 XXXXXX/XX/XXXX. All of these inquiries were authorized by me for legitimate credit applications, including auto financing, personal loans, and other credit accounts. Their absence from reports results in an incomplete credit history, which can cause lenders to misinterpret my credit-seeking behavior and negatively affect interest rates, loan approvals, and other financial opportunities. Accurate reporting of inquiries is crucial to maintain the integrity of my credit history and provide lenders with a complete understanding of my financial activity. I request that each inquiry be verified with the originating creditor and accurately reported across all bureaus, and that written confirmation of the investigation and any updates be provided to me.

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