Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian refuses to remove inaccurate names from my credit report which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. Correct name is attached. Experian refuses to remove inaccurate employment from my credit report which is also a violation of 15 USC 1681. Experian refuses to remove inaccurate accounts which is a violation of 15 USC 1681. Experian is reporting an account from XXXX  XXXX XXXX  and XXXX XXXX  which is inaccurate. This is a violation of FCRA 15 USC 1681. Also pursuant to 15 USC 1681 ( 2 ) ( a ) ( i ) when a debt is charged off it means the creditor wrote it off on their taxes and received a profit. It is illegal for SELF FINANCIAL/LEAD BA and XXXX XXXX  for to have done so because they never sent me a 1099c for the income they received like they are supposed to according the IRS yet Experian refuses to report this ILLEGAL and INACCURTATE account on my credit report. Experian violated 15 USC 1681i because they never sent any proof of validation or the results from the investigation in which they were supposed to do. This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the account is inaccurate and unverifiable, I request that it be removed from my credit report immediately. If the furnisher can not provide verification within 30 days, it must be deleted FCRA 605 ( 15 U.S.C. 1681c ) ** : According to this section, negative information accounts must be removed from a credit report. Unverifiable Debt : If the credit reporting agency can not provide valid documentation and proof of this debt as required by **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion. As explained, Experian is violation of several USC codes and if this inaccurate report is not removed from my credit report immediately I will begin legal action against Experian. Also, reporting an account with past due balances violates 15 US 1681e ( b ). Also, these so called debts they are reporting was obtained during the XXXX pandemic ( see attached ). All payments acquired during that time are to be forgiven pursuant to 15 USC 1681 ( s ) -2 subsection 1F. They are also in violation of 15 USC 1681 ( 4 ) and 15 USC 1681 ( a ). As the accounts are inaccurate and unverifiable, I request that it be removed from my credit report immediately. If the furnisher can not provide verification within 30 days, it must be deleted FCRA 605 ( 15 U.S.C. 1681c ) ** : According to this section, negative information accounts must be removed from a credit report. Unverifiable Debt : If the credit reporting agency can not provide valid documentation and proof of this debt as required by **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion. As explained, Experian is violation of several USC codes and if this inaccurate report is not removed from my credit report immediately I will begin legal action against Experian.

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