Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this formal complaint against an XXXX  that is reporting a paid and closed account on my credit profile. I do not recognize this account, and to date, I have received no validation or verification of its origin, ownership, or legitimacy. 

Although the account is marked as paid and closed, it continues to report in a potentially negative manner, adversely affecting my credit score and lending decisions obstructing my opportunity to buy. This violates federal consumer protection laws, and I am demanding immediate action, including compensation for damages and removal of the account. 
Legal Violations and Basis for Deletion : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Credit reporting agencies and furnishers are required to maintain maximum possible accuracy. Reporting a mystery account that can not be verified is neither accurate nor permissible. 

2. FCRA 15 U.S.C. 1681i ( a ) Consumers have the right to dispute any information they believe is incorrect. If the disputed item can not be verified within the 30-day window, it must be deleted. No entity has provided validation for this account ; therefore, by law, it must be removed. 

3. FCRA 15 U.S.C. 1681s-2 ( b ) Furnishers of data ( the XXXX in question ) must conduct a proper investigation when a dispute is filed. Failing to verify ownership or origin violates this statute and entitles me to relief. 

4. Uniform Commercial Code ( UCC ) 1-201 ( 20 ) Under UCC law , a record is only considered verified when it is supported by sworn evidence or authenticated documents like my wet signature. The mystery company has failed to meet this standard. 

5. UCC 3-501 ( b ) ( 2 ) Demand for Proof Upon notice, any alleged creditor must provide proof of the debt and a valid agreement. No agreement or proof has been provided. Without such verification, the reporting is invalid and should be immediately removed. 

6. UCC 3-603 Discharge of Obligation If the account was paid and closed, it is considered fully discharged. Continuing to report it in any way that harms my creditworthiness, especially without evidence of ownership or balance, is unlawful. 

Requested Resolution : - Immediate deletion of the unfamiliar account from all credit bureaus. 
- A written explanation of how this account was verified ( if at all ). 
- Compensation for damages including : - Harm to credit score, - Emotional distress, and - Denial or increased cost of credit-related opportunities. 
- Assurance that no re-reporting will occur without strict compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

This unrecognized account is improperly impacting my financial standing and ability to access credit. It is unverifiable, potentially fraudulent, and a violation of both the FCRA and UCC. I respectfully request the CFPB to investigate this matter, enforce compliance, and ensure I receive the resolution and compensation I am entitled to under law.

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