Consumer complaint received 2025-10-08 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 filing a complaint as a concerned consumer regarding the accuracy and integrity of the information reported under my name and credit file. After careful review, I have found several accounts and inquiries that are inaccurate, incomplete, and misleading, which continue to negatively affect my creditworthiness and violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
This letter serves as a formal dispute and demand for permanent removal of the accounts and inquiries listed below. I am requesting a thorough reinvestigation in compliance with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, as the reported data is unverifiable and does not accurately reflect my true financial history.

The following charged-off accounts were reported inaccurately and without proper verification. Under FCRA 611 ( a ) and 605B / 15 U.S.C. 1681c-2, you are required to conduct a complete reinvestigation or remove unverifiable information : XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX | Balance Owed : {$0.00} XXXX  Account # XXXX XXXX XXXX XXXX * | Balance Owed : {$0.00} These accounts continue to appear as charged off despite showing a XXXX balance, which is contradictory and misleading. The lack of supporting documentation confirming the nature of these accounts makes them unverifiable. 
Additionally, the following charged-off accounts reflect incorrect balances and no evidence of a Form 1099-C, which violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) due to failure to maintain accuracy and completeness in reporting : XXXX Account XXXX XXXX * * * * | Balance Owed : {$1900.00} XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX | Balance Owed : {$3100.00} XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX | Balance Owed : {$3100.00} XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX  | Balance Owed : {$1200.00} Without a 1099-C form issued to the IRS for cancellation of debt, these charged-off amounts remain unverified and improperly reported. This reporting misleads potential lenders and constitutes a violation of FCRA 607 ( b ) requiring maximum possible accuracy. 
The following collection account has been reported inaccurately and without sufficient validation of the debt : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance Owed : {$1500.00} The collector failed to provide proper validation under FDCPA 809 15 U.S.C. 1692g, and the continued reporting of this account is misleading under FCPA 807 15 U.S.C. 1692e, which prohibits false or deceptive representation of a debt.

Because this account has not been properly validated, it must be deleted from my credit report immediately. 
Lastly, the following inquiries were conducted without my authorization or a permissible purpose, violating FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) : XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I never granted authorization for these inquiries, and there is no record of a legitimate business need for them. Under FCRA 605B / 15 U.S.C. 1681c-2, I request their immediate deletion.

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