Consumer complaint received 2025-09-25 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially misleading information currently being reported on my credit file. As a consumer exercising my rights under the Fair Credit Reporting Act ( FCRA ), I respectfully request a reinvestigation of the items listed below. These entries may be unverifiable, outdated, or inaccurately reported, and they are negatively affecting my credit profile. Please find the details of each item along with the legal basis under which I am requesting their removal or correction. 

1. Late Closed Accounts Accounts : XXXX XXXX Account No : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} These accounts are reported as closed with a zero balance, yet they continue to reflect late payments. This is misleading and possibly inaccurate, as closed accounts with no balance due should not continue to carry derogatory notations unless they are fully verified and accurate. 

Under the FCRA : Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] mandates that consumer reporting agencies must ensure the maximum possible accuracy of the data they report.

Section 623 ( a ) ( 2 ) obligates furnishers to promptly update and correct any information found to be inaccurate or incomplete.

Section 611 [ 15 U.S.C. 1681i ] provides me the right to dispute such information and requires the credit bureau to reinvestigate within 30 days.

Section 602 ( a ) emphasizes the importance of accuracy, fairness, and the protection of consumer privacy. 

As these accounts are closed with no debt owed, any unverifiable derogatory marks should be removed from my credit report. 

2. Charged-Off Accounts Accounts : XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} These accounts are listed as charged off, but I believe the information may be incomplete, outdated, or unverifiable. Furthermore, accounts with balances exceeding {$600.00} may require a Form 1099-C to be issued if the debt was forgiven or canceled. If no such form exists or no debt forgiveness occurred, reporting these accounts as charged off could be considered misleading. 

Legal Basis : FCRA Section 607 ( b ) requires accuracy and completeness in all reported data. 

Section 623 ( a ) ( 1 ) ( A ) prohibits data furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

Section 611 requires reinvestigation of disputed accounts. 

Section 605 ( a ) ( 4 ) limits the reporting of charge-offs to a maximum of 7 years from the date of first delinquency.

If the debt has been canceled, the IRS requires a 1099-C to be issued ; if one hasn
t been issued, the account may not be legally canceled and should not be listed as such.

I request that these accounts be thoroughly verified with original creditor documentation. If verification can not be provided, the accounts should be updated or removed. 

3. Unauthorized Hard Inquiry Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/year> I do not recall authorizing this hard inquiry. Under the FCRA, credit reports may only be accessed with a permissible purpose and consumer consent.

Legal References : Section 604 ( a ) ( 3 ) Requires that credit reports only be accessed for a permissible purpose. 

Section 607 ( a ) Requires users of credit reports to certify their purpose.

Section 611 Gives consumers the right to dispute unauthorized inquiries.

Section 609 ( a ) ( 1 ) Entitles me to full disclosure of who accessed my file and for what purpose. 

If XXXX OF XXXX can not provide written documentation of my consent, I request that this inquiry be immediately removed.

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