Consumer complaint received 2025-09-04 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: CO

Complaint narrative:
I am submitting this complaint regarding several discrepancies and concerns I have found on my credit report, which I believe violate provisions of the Fair Credit Reporting Act ( FCRA ). I have attempted to manage my credit responsibly, and during a recent review, I discovered multiple issues that raise concerns about accuracy, completeness, and compliance with federal credit reporting laws. 

XXXX XXXX Charge-Off {$1500.00} ( Acct : XXXX ) This account is being reported as a charge-off or " Profit and Loss Write-Off. '' However, I have never received a Form 1099-C, which would indicate that the debt was canceled or forgiven by the creditor. According to IRS regulations, cancellation of debt over {$600.00} must be reported via a 1099-C. The absence of this form suggests the debt has not been officially forgiven and is possibly still collectible. 

This creates confusion and potential misrepresentation in my credit file. If the debt remains collectible, continuing to report it as a charge-off could be misleading and damaging.

FCRA Violations : Section 607 ( b ) Failure to ensure maximum possible accuracy.

Section 605 ( a ) ( 4 ) Charge-offs may only be reported for 7 years from the date of first delinquency.

Section 602 ( A ) Congress mandates fair and equitable credit reporting. 

I request reinvestigation of this item to confirm whether it is being reported accurately and in compliance with both FCRA and IRS regulations. 

XXXX XXXX Closed Account Still Reporting Late Payments ( Acct : XXXX ) This account was paid and closed, with a balance of {$0.00}. Despite this, it is showing late payments dated XXXX and XX/XX/year> after the account was closed. This is contradictory, misleading, and appears to be an error.

FCRA Violations : Section 609 ( a ) ( 1 ) Right to complete and accurate information. Section 611 ( a ) Right to dispute inaccurate or incomplete information. Section 607 ( a ) Furnishers must not report misleading information. 

I request a full review of this accounts reporting. If these late payments are invalid or inaccurately applied to a closed account, they must be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and others My credit report shows a large number of inquiries from auto lenders and banks during a short period in XXXX. To the best of my knowledge, I did not authorize all these hard inquiries. If they resulted from a single credit application ( e.g., auto loan ), FCRA guidance suggests they should be grouped and counted as one for scoring purposes. 

Additionally, I suspect some of these inquiries may have occurred without my consent.

FCRA Violations : Section 604 ( a ) ( 3 ) Permissible purpose required.

Section 604 ( c ) ( 1 ) ( A ) Written consent needed for non-initiated inquiries.

Section 609 ( a ) ( 3 ) Right to know who accessed my credit report and why.

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