Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I am filing a complaint to dispute multiple inaccurate and unverifiable items appearing on my credit report. The reporting of these accounts and collections is misleading, derogatory, and can not be substantiated. This letter serves as my formal request for permanent removal of the accounts and collections listed below. This is not a request for correction or notation, but a demand to remove all unverifiable and inaccurate information from my credit file. 
The following accounts are reported as late or closed, yet all reflect a {$0.00} balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}. * * These accounts are being reported inaccurately, as there is no current balance or delinquent activity that would justify any negative reporting. Reporting these accounts violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which requires a reasonable reinvestigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits furnishers from reporting information they know, or should know, to be inaccurate or unverifiable. Further, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must ensure that all information reported is complete and accurate, and FCRA 605B / 15 U.S.C. 1681c-2 mandates permanent removal of unverifiable information. 
The following account is listed as charged-off but has a {$0.00} balance : XXXX  XXXX Balance Owed : {$0.00}. Reporting this account as charged-off is inaccurate and misleading. It violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which requires that disputes be fully investigated, and FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits furnishers from reporting information they know or should know is inaccurate. The continued reporting of this {$0.00} balance account also violates FCRA 605B / 15 U.S.C. 1681c-2, which requires removal of unverifiable information. I am requesting that this account be permanently deleted within 30 days, and I appreciate your attention to this matter. 
The following accounts are reported as charged-off with balances above {$600.00} but lack 1099-C cancellation of debt forms, making them unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8200.00}, XXXX XXXX Balance Owed XXXX {$5000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2300.00}, XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3200.00}, and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$20000.00}. * * Reporting these accounts without proper verification is inaccurate and potentially misleading. It violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires maximum accuracy, as well as FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) and FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which require proper investigation and prohibit reporting information known to be inaccurate. These items must be permanently removed under FCRA 605B / 15 U.S.C. 1681c-2 if unverifiable. 
The following collections are inaccurately reported or unverifiable : XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX Balance Owed : {$12000.00}, and XXXX XXXX XXXX Balance Owed : {$200.00}. * * Reporting these collections without proper verification violates FCPA 807 ( 15 U.S.C. 1692e ), which prohibits false, deceptive, or misleading representations by debt collectors, and FDCPA 809 ( 15 U.S.C. 1692g ), which requires verification of debts upon dispute. Under FCRA 605B / 15 U.S.C. 1681c-2, unverifiable items must be removed or blocked. Their continued reporting is unlawful and harmful.

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