Consumer complaint received 2025-10-06 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: DE

Complaint narrative:
I am writing as a concerned consumer to dispute several inaccurate and misleading items being reported on my credit file. These accounts are either unverifiable, incomplete, or falsely represented. This letter is not for correction it is a formal demand for permanent deletion of the following entries that violate federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

The following account is being reported inaccurately and continues to cause reputational and credit damage. It is misleading, incomplete, and unverifiable under the law.

Violations : FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} * * I am requesting this item be permanently deleted, as it fails to meet FCRAs verification and accuracy standards.

These accounts are being reported as charged off despite multiple inaccuracies and unverifiable data. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, such accounts must be deleted when verification can not be provided. 
XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} * * Furthermore, the following charged-off accounts each reflect debts above {$600.00} but have no Form 1099-C issued, making them unverified and inaccurate. This violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] due to the absence of proper reporting for cancellation of debt. 
XXXX XXXXXXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4700.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these entries lacks lawful substantiation and must be permanently deleted from my record. 
This account is inaccurately reported as a repossession without proper validation or supporting documentation. Such reporting violates FCPA 807 ( 15 U.S.C. 1692e ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and 605B / 15 U.S.C. 1681c-2. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$31000.00} * * Because this debt remains unverifiable, I request immediate and permanent deletion. 
These collection accounts continue to report without proof of ownership, permissible purpose, or validation notices. This violates FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and FCRA 605B / 15 U.S.C. 1681c-2. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} 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 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  Balance : {$370.00} * * None of these collectors have provided validation or permissible authorization. Therefore, I am requesting full deletion, not correction, of each account listed.

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