Consumer complaint received 2025-10-22 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 submiting this complaint as a third follow up to formal dispute and demand for permanent deletion of multiple inaccurate, unverifiable, and unauthorized entries that continue to appear on my credit reports. Despite my previous disputes and the submission of supporting documentation, these items remain uncorrected and are causing ongoing harm to my creditworthiness and financial integrity. 
This continued reporting of incorrect data is not only unjust but a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am not requesting corrections or updatesI am demanding the complete and permanent removal of the following items that have not been verified with proper documentation or permissible purpose. 
Charged-Off Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} This account is being reported as a charge-off even though the balance is {$0.00} and no active debt or delinquency remains. Such reporting is misleading, inaccurate, and unverifiable. Continuing to display this account as charged off suggests financial irresponsibility or default, which is both untrue and harmful. 
Under FCRA 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy in all reported information. By maintaining this unverified entry, your agencies are failing in that duty. Furthermore, FCRA 611 ( a ) grants me the right to dispute inaccurate information and mandates that unverifiable items be deleted entirely, not simply updated.

The furnisher of this information is also in violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits any company from reporting information that is knownor should reasonably be knownto be inaccurate. Since no lawful verification has been provided, and there is no record of a valid Form 1099-C or documentation confirming any charge-off activity, this account must be permanently deleted from all of my credit files with Experian, Equifax, and TransUnion XXXX 
This inaccurate reporting has already caused unjust harm to my financial reputation. I have fully complied with every procedure under the FCRA to give your bureaus sufficient time to investigate, yet these errors remain unresolved. I am now insisting upon permanent removal, not correction. 
Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> I am also disputing the above inquiries, which were never authorized by me. I have no credit application, relationship, or consent that would legally justify these companies accessing my personal credit file. Such actions were taken without permissible purpose and constitute unauthorized access to my private data. 
Under FCRA 604 ( a ) and FCRA 604 ( f ), a consumer report may only be accessed when there is a clear and legitimate permissible purpose, such as in response to a credit application or with explicit consumer consent. Neither condition was met. Obtaining or using my credit report without such authority is a violation of FCRA 619, which prohibits obtaining a consumer report under false pretenses.

Per FCRA 605B, you are legally required to block or delete any information that results from unauthorized access or unverifiable sources. Because these inquiries can not be verified as authorized by me, they must be permanently deleted immediately. Their continued presence on my credit report represents an invasion of privacy and an ongoing violation of my consumer rights.

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