Consumer complaint received 2025-09-12 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: SC

Complaint narrative:
I am submitting this formal complaint regarding several inaccuracies, inconsistencies, and unauthorized inquiries currently appearing on my credit report. I take my credit and financial reputation seriously and have identified multiple entries that are either incorrect, unverifiable, misleading, or improperly reported. These items are negatively impacting my creditworthiness and need immediate attention and resolution. 

Late/Closed Accounts Inaccurate Reporting 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 XXXX XXXX XXXX  FCRA Violations Referenced : Section 607 ( b ) : Requires credit bureaus to ensure maximum possible accuracy.

Section 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting data they know or have reason to believe is inaccurate.

Section 611 ( a ) : Allows consumers to dispute and request deletion of unverifiable items.

Section 602 ( A ) : Ensures fair treatment through accurate and complete reporting.

Requested Resolution : These accounts should be fully investigated, and any inaccurate or unverifiable payment history or status should be deleted from my credit report.

2. Charge-Off Account Improper Reporting TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is reported as a charge-off, yet no 1099-C form has been issued. Additionally, the charge-off status may be inaccurately dated or unverified.

FCRA & IRS Violations Referenced : Section 609 ( a ) ( 1 ) : Right to full disclosure of account records.

Section 623 ( a ) ( 5 ) : Requires accurate reporting of delinquency and charge-off dates.

Section 607 ( b ) : Ensures all reported data is accurate and verifiable.

IRS Regulation : Debts canceled over {$600.00} require a 1099-C form to be issued to the consumer.

Requested Resolution : If the debt was forgiven or canceled, and no 1099-C was provided, the charge-off must be removed. I request this tradeline be deleted or updated with verifiable information, including full payment and charge-off documentation.

3. Unauthorized Inquiries No Permissible Purpose The following hard inquiries were made on my credit without my consent or without a valid permissible purpose : 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 ( a ) : Permissible purpose must exist for pulling a credit report. 

Section 604 ( c ) ( 1 ) : Requires written authorization for certain inquiries.

Section 604 ( f ) : Prohibits obtaining consumer reports under false pretenses.

Section 609 ( a ) ( 3 ) : Entitles me to know who accessed my report and why.

Requested Resolution : I request the immediate removal of all unauthorized or improperly obtained inquiries from my credit file and written confirmation of their deletion.

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