Consumer complaint received 2025-05-21 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: SC

Complaint narrative:
My name is XXXX XXXX, and I am writing to exercise my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) to formally dispute the reporting of multiple inaccurate and unlawful accounts on my credit report. These items are damaging, unverifiable, and reported in violation of federal statutes governing consumer data accuracy, completeness, and fairness. 

The following tradelines must be immediately and permanently deleted from all credit bureau files : 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 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 late payment Several of these accounts, listed as charge-offs , may have triggered the issuance of IRS Form 1099-C and are thereby canceled debts. Under IRS Publication 4681, once a debt has been charged off and reported as canceled income, it is no longer legally collectible. Reporting or attempting to collect on these debts afterward is not just unethicalit is unlawful. 

These items violate my rights under 15 U.S.C. 1681e ( b ) ( accuracy ), 1681s-2 ( a ) ( 1 ) ( A ) ( unverified data ), and 1681i ( failure to reinvestigate ). Their inclusion has resulted in reputational damage, emotional distress, and denied access to financial services. 

I therefore demand full deletion of these accounts, not correction. You are required to conduct a good-faith investigation and delete all unverifiable, inaccurate, or obsolete entries. Further reporting or collection efforts will be viewed as harassment under 1692d ( 2 ) and a continued violation of 1692c and 1692g ( a ) of the FDCPA. 

This is a formal legal notice. You are required to respond within ten ( 10 ) days as allowed by 15 U.S.C. 1681n and 1692k. Noncompliance will be considered willful and may subject you to civil liability. 

Do not send generic stall letters. Per FCRA regulations, each dispute must be addressed individually and based on its merits. Any attempt to delay processing based on assumptions about third-party assistance will be considered a willful violation under 15 U.S.C. 1681n. 
I AM FAMILIAR WITH THE LAW & I KNOW IT IS IN MY RIGHT TO HAVE 3RD PARTY SOFTWARE HELP WRITE MY DISPUTES! 

Respectfully, XXXX XXXX

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