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:
This complaint serves as my third formal dispute concerning multiple items that remain on my credit file despite my prior removal request. I am not asking for a correction, update, or modification this is a demand for permanent deletion of accounts and inquiries that continue to appear without verified documentation or lawful reporting compliance. 
After a thorough review of my credit report, I have identified several serious issues that violate federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and related statutes. 
The first concern involves a Late Closed account reported under XXXX XXXX  Account No : XXXX * * * * with a Balance Owed : {$2100.00} * *. The continued appearance of this account directly violates FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which requires a full and reasonable reinvestigation once a consumer disputes any items accuracy. Because no verified documentation or signed agreement has been produced proving this accounts legitimacy, it must be permanently removed.

Additionally, FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) prohibits furnishers from reporting information they know or should know is inaccurate. This account has failed verification, and therefore, its reporting is unlawful. Furthermore, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), the credit bureaus are obligated to ensure that all items are complete and reported with maximum possible accuracy. Allowing unverifiable, inaccurate data to remain violates that duty. Finally, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), information that can not be verified or confirmed as belonging to me must be blocked and deleted immediately. 
The next account in dispute is a Charged Off account listed as XXXX XXXX Account No : XXXX * * * * * * * * * with a Balance Owed : {$25000.00} * *. Reporting a charge-off of this magnitude without producing a verifiable Form XXXX, as required by the IRS when a debt XXXX {$600.00} is canceled or XXXX, constitutes improper and misleading reporting. The absence of this documentation, coupled with the bureaus failure to verify ownership, places you in violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) once again. The continued reporting of this account is not only inaccurate but also deceptive to future creditors and lenders.

In addition to the above accounts, my report continues to reflect numerous unauthorized or unverifiable inquiries that have no permissible purpose under federal law. The FCRA 604 ( a ) and 604 ( f ) ( 15 U.S.C. 1681b ( a ) & 1681b ( f ) ) make clear that access to a consumers credit file is strictly limited to legitimate and authorized use. Furthermore, FCRA 619 ( 15 U.S.C. 1681q ) provides criminal liability for any person or entity that obtains a consumers credit information under false pretenses. Because I never granted authorization for these inquiries, and because none of the companies listed have provided proof of permissible purpose, they must be permanently deleted. 
The following inquiries are included in this dispute and demand for removal : 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 XXXXXXXX XXXX XXXX XX/XX/XXXX Each of the above inquiries lacks proper verification , consumer authorization, or documentation proving a legitimate business purpose. Therefore, they must be removed entirely to maintain compliance with federal law.

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