Consumer complaint received 2025-08-23 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 filing a complaint to dispute several accounts and inquiries being reported on my credit file. These items are inaccurate, unverifiable, or reported in violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I am exercising my rights under federal law to have them investigated and permanently removed. 
The account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} XXXX XXXX is being reported as late/closed. Under FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), I have the right to dispute any information on my credit report that I believe to be inaccurate or unverifiable. Since the balance reflects {$0.00} and there is no basis for continued derogatory reporting, this item must be removed immediately. 
I also dispute the charge-off accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with a balance of {$1600.00} XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ) with a balance of {$960.00} XXXX XXXX For debts over {$600.00}, creditors are required to issue IRS XXXX XXXX upon cancellation. Since no such form has ever been provided to me, the continued reporting of these accounts is invalid and unlawful. 
Furthermore, the accounts listed as charge-offs by 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, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are obsolete, unverifiable, and must be deleted in accordance with FCRA 605 ( a ), 15 U.S.C. 1681c, which restricts the reporting of certain negative information beyond the permissible time limits.

In addition, the following collection accounts are the result of identity theft. I have the right to request that any information resulting from identity theft in accordance with FCRA 605B / 15 U.S.C. 1681c-2 ). Please be blocked from my file. I am requesting that these collections be permanently deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$620.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$640.00} Lastly, there are multiple hard inquiries on my report that were made without my authorization or any permissible purpose under the law FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q. it is unlawful to obtain a report under false pretenses. Since I did not authorize these inquiries, they must be removed. 
Inquiries to be removed : XXXXXXXX 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 XXXXXX/XX/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