Consumer complaint received 2025-09-15 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 you because after carefully reviewing my credit file, I have found several items that are being reported inaccurately and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). These errors do not reflect my true financial history and have unfairly damaged my creditworthiness. I am asking that these accounts and the inquiry be removed from my credit report in full compliance with federal law.

One is an account with XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a balance of {$0.00} XXXX XXXX Even though this account has been closed with no outstanding debt, it is still being reported as late closed. This is misleading and unlawful. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or incomplete information. Furthermore, FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to update and correct information they know to be wrong, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) obligates the bureaus to ensure maximum possible accuracy. Since this account has no balance, its reporting as late is false and must be removed. 
I also discovered that XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX balance owed : {$0.00} XXXX XXXX  and XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance owed : {$0.00} XXXX XXXX, are both still being reported as charged off. When there is no remaining balance, labeling these accounts as charge-offs is misleading and inaccurate. Their reporting violates FCRA 605B / 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which protect consumers from unverified or outdated negative items. Since these debts have been resolved, the only accurate action is to remove them from my report. 
In addition, XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$5000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$5500.00}, are also being reported as charge-offs. However, I have never received an IRS Form XXXX for either account, even though the balances exceed {$600.00}. Without this legally required documentation, reporting these as charge-offs is misleading and violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Because they can not be properly validated, these accounts must be deleted. 
Finally, my report reflects a recent inquiry from XXXX XXXX  XXXX on XX/XX/year>, which I did not authorize. This inquiry violates FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly limits the purposes for which inquiries can be made, and FCRA 619 15 U.S.C. 1681q, which makes it unlawful to obtain a credit report under false pretenses. Since I did not grant permission for this inquiry, it must be removed from my file immediately.

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