Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
I am submitting this complaint as my fifth request for the removal of multiple inaccurate accounts and unauthorized inquiries that continue to appear on my credit reports despite previous disputes and removal requests. The XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$4700.00} * * continues to appear on Experian, Equifax, and TransUnion, yet this account has never been properly verified, nor has a 1099-C been issued for this debt over {$600.00}, making its reporting unverifiable and legally impermissible under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2. Despite multiple prior requests, this account remains on my credit reports, creating a false and misleading representation of my financial history, and negatively impacting my creditworthiness. 
Similarly, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continue to appear on one or more credit bureaus without proper verification. The continued reporting of these unverifiable accounts demonstrates a clear failure of both the furnisher and the credit reporting agencies to comply with federal law, and it continues to misrepresent my financial standing to potential lenders and creditors. 
In addition to these unverifiable accounts, several inquiries remain on my credit reports without my authorization. On Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> continue to appear even though I never applied for credit with these entities and never authorized access to my consumer report. Equifax also reports XXXX XX/XX/year>, XXXX XX/XX/year>, and XXXX XX/XX/year>, none of which were authorized. These unauthorized inquiries violate FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) & 604 ( f ) 15 U.S.C. 1681b ( a ), ( f ), which strictly limit access to consumer reports to entities with a permissible purpose. 
The repeated failure to remove these unverifiable accounts and unauthorized inquiries has caused ongoing harm, including stress, financial difficulty, and potential denial of credit. I have made every reasonable effort to resolve this matter through prior disputes, yet these items persist. As a consumer, I am entitled under federal law to have only accurate, verifiable, and authorized information reported on my credit files, and I am now formally demanding that your bureaus comply.

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