Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
RE : CONTINUED REPORTING OF UNVERIFIED AND INACCURATE INFORMATION FORMAL DISPUTE NOTICE As a legally informed and responsible consumer, I am issuing this formal dispute to notify you that several entries on my Experian credit report are inaccurate, unverified, or reported in violation of federal law. These accounts and inquiries are negatively impacting my credit profile and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate, verify, and delete any item that can not be substantiated. 
Disputed Accounts 1. XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$15000.00} Issue : This charge-off is being misrepresented as an active liability, which conflicts with IRS Publication 4681. If the debt has been canceled or forgiven, it is no longer legally collectible and must not appear as a current derogatory account. Provide full documentation or delete immediately. 
2. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Balance : {$190.00} Issue : This is a third-party collection account reported without adequate validation. No original creditor documentation, assignment records, or consumer authorization has been provided. You must delete any unverifiable collection item per 15 U.S.C. 1681i. 
Disputed Hard Inquiries The following hard inquiries appear on my report without my authorization or valid permissible purpose. Under 15 U.S.C. 1681b, a hard inquiry may only occur with explicit consumer consent and for a legally permitted reason : 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 XXXXXX/XX/XXXX If Experian can not confirm that I granted written authorization for each of the inquiries listed above, then they must be permanently removed. I am requesting full documentation proving permissible purpose. 
Legal Basis for My Dispute This dispute is being submitted pursuant to the following federal statutes and enforcement authorities : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) IRS Publication 4681 ( related to cancellation of debt and charge-offs ) Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) You are required to conduct a reasonable reinvestigation and delete or correct any information that is inaccurate or can not be verified within 30 days. 
Formal Request for Immediate Action 1. Delete all inaccurate and unverifiable information from my credit file. 
2. Provide full documentation for any item that remains, including : o Original contracts and signed agreements o Full chain of title and debt assignment o Written consumer consent for all hard inquiries 3. Cease further reporting of disputed items unless verified under FCRA standards. 
Notice of Escalation Failure to act in good faith and correct these reporting violations will result in formal complaints to the CFPB, FTC, and South Carolina Attorney Generals Office. You may also be liable for damages under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 
I expect a full response and resolution within 10 calendar days of receipt of this letter. 
Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Legal File

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