Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
I am submitting this complaints as a formal dispute regarding several inaccurate, outdated, and unverifiable items currently appearing on my credit report. 
After carefully reviewing my file, I discovered multiple accounts that either contain errors, have been cancelled through XXXX filings, or have been reported without proper verification. These entries have unfairly impacted my credit standing and must be corrected under the Fair Credit Reporting Act ( FCRA ). 
The accounts listed above are marked as charged-off ; however, the XXXX and XXXX accounts were subject to Form XXXX ( XXXX of XXXX ), which means the debts were legally XXXX and no longer collectible. Once a creditor issues a XXXX and reports it to the IRS, continued reporting of the balance as outstanding or charged-off constitutes inaccurate information under FCRA XXXX ( b ), which mandates maximum possible accuracy in all reporting. 
Additionally, under FCRA XXXX ( a ) ( XXXX ) ( A ), data furnishers are prohibited from reporting information they know or should know is inaccurate. If these debts were forgiven or cancelled, they must not continue to appear as unpaid. I therefore request their immediate deletion from my credit report. 
The account reported by XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$340.00} is listed as a charged-off account. However, this information appears inaccurate, outdated, and unverifiable. Under FCRA XXXX ( a ) ( XXXX ), no consumer reporting agency may continue reporting a charged-off account beyond XXXX years from the date of first delinquency. 
Furthermore, FCRA XXXX ( b ) requires all data furnishers to maintain the maximum possible accuracy of information they report. If the original creditor can not verify the accounts current validity, balance accuracy, and date of first delinquency, this item must be deleted immediately pursuant to FCRA XXXX ( a ). 
In addition, the XXXX collection account was reported without proper debt validation. I have never received written verification of this debt as required by the Fair Debt Collection Practices Act ( FDCPA XXXX ). Reporting an invalidated collection violates the FDCPA and the FCRA. Therefore, under FCRA XXXX ( XXXX U.S.C. XXXX ), this item must be deleted unless full verification can be produced to confirm ownership, balance accuracy, and legal responsibility. 
The following inquiry were made without my written consent or a permissible purpose under FCRA XXXX ( a ) : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX SVC XX/XX/XXXX XXXX XXXX SERVICE XX/XX/XXXX XXXX XXXX XXXX FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX C/O XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX This inquiry were not authorized by me and must therefore be deleted immediately. Reporting unauthorized hard pulls violates FCRA XXXX ( a ) and may result in civil liability under FCRA XXXX for wilful noncompliance.

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