Consumer complaint received 2025-10-23 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: OR

Complaint narrative:
This complaint serves as my formal follow-up dispute regarding the continued and unlawful reporting of multiple inaccurate, unverifiable, and unauthorized items appearing on my credit file. These entries violate federal standards of accuracy, verification, and permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the permanent deletion of each item detailed below not correction or modification. 
The first account, XXXX XXXX Account XXXX. XXXX XXXX XXXX : {$11000.00}, is being reported as a Charged Off account. This reporting remains inaccurate and misleading because there has been no IRS XXXX XXXX issued to confirm the cancellation or forgiveness of this debt. Any debt exceeding {$600.00} that is claimed as canceled requires a XXXX filing for validation. The absence of this document demonstrates that the charge-off is unverified and being reported in violation of FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that every item of consumer information be proven accurate through verifiable documentation. Without evidence, this account must be permanently deleted from my credit reports to maintain compliance with federal accuracy requirements. 
The next accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Balance Owed : {$890.00} XXXX XXXX is listed as a collection account that has never been validated. I have never received a single document showing that this debt is valid, accurate, or even belongs to me. Reporting or attempting to collect an unverified debt violates FDCPA 807 [ 15 U.S.C. 1692e ], which prohibits any false or misleading representation in connection with the collection of a debt, and FDCPA 809 [ 15 U.S.C. 1692g ], which requires the furnisher to provide written validation upon request. Additionally, allowing an unverified debt to remain on a consumers report violates FCRA 605B [ 15 U.S.C. 1681c-2 ], which grants me the right to have unverifiable or fraudulent information blocked and permanently deleted. Because no verification has been produced, this collection must be removed entirely from all three credit bureaus. 
In addition, my reports reflect unauthorized inquiries made byXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my consent or any permissible purpose, violating the privacy standards established by the FCRA. Accessing a consumer report without a legitimate reason constitutes a direct breach of FCRA 604 ( a ) and 604 ( f ) [ 15 U.S.C. 1681b ( a ) and 1681b ( f ) ], which restrict the acquisition and use of credit reports to authorized purposes only. Furthermore, obtaining or using a credit report under false pretenses is prohibited under FCRA 619 [ 15 U.S.C. 1681q ], and any continued reporting of such unauthorized activity violates my rights under FCRA 605B [ 15 U.S.C. 1681c-2 ], requiring permanent removal. These inquiries must be deleted immediately from my reports.

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