Consumer complaint received 2025-11-03 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 reaching out once again regarding the continued presence of inaccurate, unlawful, and unverified information on my credit report. I am requesting a permanent deletion, not a correction, under the authority granted to me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This letter is not just a disputeit is a formal demand for compliance with federal law. 
As a responsible consumer, I have taken the time to review every detail of my credit file. What I found is both alarming and deeply concerning : a collection account that does not belong to me, and several unauthorized inquiries that I never consented to. These entries continue to damage my creditworthiness, personal integrity, and peace of mind. I am compelled to demand their complete removal as they violate multiple sections of federal consumer protection laws. 
Collection Account for Permanent Removal XXXX Account No : XXXX * * * * * * * Balance Owed : {$0.00} * * This alleged collection account is being reported inaccurately and unlawfully. There is no debt owed, and there is no verifiable or signed documentation proving my consent or liability for any debt associated with this account. The balance is listed as {$0.00}, which clearly indicates that no active financial obligation exists. Therefore, continued reporting serves no permissible or accurate purpose under law. 
This listing directly violates FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires that information resulting from identity theft or unauthorized use of personal data be permanently blocked and deleted. This law mandates that once a consumer disputes such information and provides notice of its inaccuracy or unverifiability, the credit reporting agency must cease to report it.

Additionally, the actions of any collector or furnisher connected with this account violate FDCPA 807 ( 15 U.S.C. 1692e ), which prohibits the use of false, deceptive, or misleading representations in the collection of a debt. Reporting a zero-balance collection that has not been verified is a direct misrepresentation of fact. Further, under FDCPA 809 ( 15 U.S.C. 1692g ), debt collectors are required to provide validation of a debt within XXXX days of initial contact. No such validation has ever been provided to me regarding this account. 
Therefore, I demand the permanent deletion of this account under FCRA 605B, as it continues to appear without lawful justification, in direct violation of the FDCPA and FCRA. This is not a correction request this is a demand for full removal under federal law.

Unuthorized Inquiries for Immediate and Permanent Removal The following inquiries were conducted without my knowledge, consent, or permissible purpose, in violation of multiple provisions of the FCRA : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these inquiries constitutes an unlawful access to my credit file. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), a credit report may only be obtained for specific permissible purposes, such as in connection with a credit transaction initiated by the consumer. I did not authorize, apply, or initiate any transaction with these entities on the listed dates. 
Furthermore, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) explicitly states that a consumer report shall not be obtained without a permissible purpose and without the consumers consent. Each of these inquiries violates this provision, as there is no legitimate basis for these entities to have accessed my credit data.

Most seriously, FCRA 619 15 U.S.C. 1681q makes it a criminal offense to knowingly and willfully obtain a consumer report under false pretenses. These inquiries appear to have been conducted under such circumstances, as I had no dealings or agreements with these companies that would lawfully justify such access.

Accordingly, I demand that your bureau permanently delete all of these inquiries from my report. Their continued presence represents an unlawful invasion of privacy and an ongoing violation of the FCRA.

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