Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am submitting my fourth formal follow-up complaint regarding multiple accounts on my credit report that remain inaccurately reported. These accounts, whether reported as late, closed, or charged off, are materially misleading, unverifiable, and continue to negatively impact my creditworthiness, financial reputation, and access to credit. I am requesting that these accounts be permanently removed from my credit file. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which requires a reasonable reinvestigation of disputed information ; 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which mandates furnishers to provide only accurate information ; 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires procedures to ensure maximum possible accuracy of reported information ; and 605B / 15 U.S.C. 1681c-2, which limits the reporting of obsolete, inaccurate, or unverifiable information. 
Late Closed Accounts The following accounts are reported as late closed with a XXXX balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} These accounts are inaccurately reported and do not reflect any outstanding obligations. Despite reporting a XXXX balance, the inaccurate reporting of late closure, misrepresented dates, or erroneous status remains on my credit report. Under FCRA 611 ( a ), any information that can not be verified as accurate must be removed. The furnisher and the credit reporting agency are required to ensure that the information reported is accurate, and when verification can not be completed, federal law mandates that the accounts be permanently deleted. These late closed accounts are therefore subject to permanent removal because they fail to meet the legal standard for accuracy, verification, and reliability. 
Charged-Off Accounts The following accounts are reported as charged off : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$510.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} * * The reporting of these charged-off accounts is materially inaccurate. For the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account * *, no 1099-C form was issued for debt cancellation exceeding {$600.00}, making the balance unverifiable and in direct violation of FCRA 607 ( b ), which requires procedures to ensure maximum possible accuracy. Similarly, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account * * continues to appear inaccurately despite repeated disputes. FCRA 623 ( a ) ( 1 ) ( A ) requires that furnishers only report information that is true, accurate, and complete. Because these accounts can not be verified as accurate, they must be permanently removed. Furthermore, FCRA 605B / 1681c-2 specifically prohibits the continued reporting of information that is unverifiable, obsolete, or inaccurate, which directly applies to these charged-off accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00} This account is being reported as a collection, yet it contains unverifiable or inaccurate information. Under FDCPA 809 ( 15 U.S.C. 1692g ), debt collectors must provide accurate verification of debts upon request. Additionally, FCPA 807 ( 15 U.S.C. 1692e ) prohibits false, misleading, or deceptive reporting or collection activity. Reporting this collection account without verification violates federal law. Further, FCRA 605B / 15 U.S.C. 1681c-2 prohibits the continued reporting of unverifiable or inaccurate information. Therefore, this collection account must also be permanently 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