Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I am filing a complaint as a consumer who has always sought to maintain an accurate and fair credit history. Upon reviewing my credit report, I discovered several accounts being reported inaccurately as charged-off or placed for collection. After exhausting all efforts to obtain verification and documentation from the furnishers, I have determined that these entries violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request their permanent removal from my credit file. 
The first concern involves XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which are listed as Charged Off despite showing a zero balance and no verifiable proof of loss or continued obligation. These reports directly violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires the bureau to conduct a thorough reinvestigation and delete information that can not be verified, and FCRA 623 ( a ) ( 1 ) ( A ), which forbids any entity from reporting information known to be inaccurate. Furthermore, under 15 U.S.C. 605B / 15 U.S.C. 1681c-2, I have the right to have unverifiable or fraudulent data blocked permanently. 
In addition, several creditors have failed to meet the standard of accuracy and completeness required under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], as there is no record of a Form 1099-C showing debt cancellation, which casts doubt on the legitimacy of these debts. The following accounts therefore must be deleted in full : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The continued appearance of these accounts misrepresents my creditworthiness and constitutes willful negligence under the FCRA. 
I also discovered a Collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which has never been validated in accordance with FDCPA 807 ( 15 U.S.C. 1692e ) prohibiting false or misleading representations, and FDCPA 809 ( 15 U.S.C. 1692g ), which mandates written validation of the debt. The reporting and verification failures, combined with the absence of proof of assignment, clearly breach 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and therefore require complete deletion. 
Lastly, I found several unauthorized inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .which were made without my written consent or permissible purpose under FCRA 619 15 U.S.C. 1681q and FCRA 604 ( f ). Each inquiry was obtained or shared in violation of my privacy rights and must be immediately removed.

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