Consumer complaint received 2025-04-02 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: NV

Complaint narrative:
This is my fourth request disputing the accuracy and legitimacy of certain negative items on my credit report. Despite my previous disputes, you have failed to provide proper verification, which is a direct violation of FCRA 611 ( a ). If these accounts can not be verified with legally compliant documentation, they must be deleted immediately as required by FCRA 1681i ( a ) ( 5 ).

Your continued failure to conduct a proper investigation and provide verifiable proof demonstrates noncompliance with federal law. If this matter is not resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Disputed Charge-Offs Unverified & Inaccurate Reporting ( FCRA 1681s-2 ( a ) ) Charge-off accounts must be accurate, complete, and verifiable. If you can not produce a full account history and contract, these accounts must be deleted : XXXX. XXXX XXXX # XXXX Discrepancies in balance and payment history. 
XXXX. Unknown Account # XXXX No record of authorizing this account. Provide full validation. 
XXXX. XXXX XXXX XXXX # XXXX Duplicate reporting, which violates FCRA 1681a-2. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified and outdated information reported. 
Disputed Collection Accounts Violation of FCRA 609 ( a ) and FDCPA Debt collectors must provide full validation, including the original signed contract and detailed payment history. If they fail to do so, these accounts must be removed : XXXX. XXXX  # XXXX No proof of ownership of the debt. 
XXXX. XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) # XXXX No documented verification provided. 
XXXX. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) # XXXX Failure to supply legally required validation. 
XXXX. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) # XXXX No proof that I am liable for this debt. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX No signed agreement provided. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX Incomplete documentation. 
XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX Lacks legally required validation details. 
XXXX. XXXX XXXX ( Original Creditor : THE XXXX XXXX XXXX XXXX ) # XXXX No contract proving my responsibility. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX XXXX inconsistencies. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX No record of permissible collection authority. 
Disputed Hard Inquiries No Permissible Purpose ( FCRA 604 ( a ) ) These inquiries appear without my consent. If you can not provide proof of my written authorization, they must be deleted immediately : XXXX. XXXXXXXX XXXX XX/XX/XXXX No record of my application. 
XXXX. XXXX XXXX  XX/XX/XXXX XXXX made without my authorization. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX No proof of permissible purpose. 
Final Demand for Resolution Since this is my fourth request, I am demanding : Immediate deletion of all unverifiable accounts. 
Removal of any collection accounts that lack proper validation. 
Deletion of unauthorized inquiries unless proof of consent is provided. 
An updated credit report reflecting these corrections. 
If I do not receive a satisfactory response within 15 days, I will take legal action and file formal complaints against your bureau for noncompliance with federal regulations. 
Sincerely, XXXX XXXX

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