Consumer complaint received 2025-11-07 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 submitting this correspondence as a formal XXXX follow-up complaint regarding multiple inaccurate, unverified, and unlawfully reported items that continue to appear on my credit reports. Despite previous disputes, these entries remain without lawful validation or verification. I am therefore requesting permanent deletion, not correction, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Charged-Off Accounts in Dispute XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  * Balance Owed : {$900.00} XXXX XXXX XXXX  Balance Owed : {$1100.00} These accounts are reported as charged off without providing an IRS Form 1099-C confirming any debt cancellation exceeding {$600.00}, as required when a charge-off is treated as income to the consumer. Reporting these accounts without proper verification is misleading, inaccurate, and unverifiable.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must maintain maximum possible accuracy in the information they report. Reporting these charged-off accounts without verifiable documentation constitutes a direct violation. Therefore, I am demanding permanent removal of these accounts from all credit reports, as they can not be verified under federal law. 
XXXX. Collection Account in Dispute XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Account XXXX XXXX XXXX XXXX XXXX Balance Owed : {$650.00} This collection entry is being reported inaccurately and without proper verification. Under the FDCPA 807 ( 15 U.S.C. 1692e ), debt collectors may not use false, deceptive, or misleading representations. Furthermore, FDCPA 809 ( 15 U.S.C. 1692g ) requires collectors to provide written validation of a debt upon request before continuing collection or reporting activity. 
Because this account has not been properly verified or substantiated, I am requesting permanent removal from my credit file. 
XXXX. Unauthorized Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX/XX/year> These inquiries were made without my knowledge, consent, or lawful purpose. Under FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), consumer reports may only be furnished for authorized purposes. Additionally, FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) makes it unlawful to obtain a consumer report without a permissible purpose, and FCRA 619 ( 15 U.S.C. 1681q ) prohibits obtaining reports under false pretenses. Finally, FCRA 605B ( 15 U.S.C. 1681c-2 ) grants consumers the right to block and permanently remove information that resulted from unauthorized or fraudulent use.

Because these inquiries were made without authorization or permissible purpose, they must be immediately and permanently deleted from all bureau records, internal systems, and shared databases.

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