Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as my sixth formal request for the reinvestigation and correction of multiple inaccuracies and unverifiable items currently being reported on my credit file. I have made several prior attempts to resolve these issues in good faith and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), but to date, the items listed below remain uncorrected or lack sufficient verification. 

As per FCRA Section 611, you are required to conduct a reasonable investigation and delete any item that can not be verified with complete and accurate documentation. Continuing to report unverifiable, outdated, or inaccurate information is a direct violation of federal law, and may warrant a complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or legal action if not addressed immediately. 

Below is the list of accounts and inquiries I am formally disputing : ________________________________________ Charge-Off & Delinquent Accounts : 1. XXXX XXXX XXXX XXXX XXXXXXXX * * Date Opened : XX/XX/XXXX | Balance : {$0.00} | Status : Charge Off * * Issue : The account is listed as a charge-off, but the balance is reported as {$0.00}. This is conflicting and suggests the account may be closed or resolved. If no outstanding balance exists, the charge-off status is misleading and should be corrected or removed. 
Action Requested : Please verify the current status with the furnisher. If it is resolved or has a {$0.00} balance, I request the charge-off status be removed. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX * * Date Opened : XX/XX/XXXX | High Credit : {$10000.00} | Status : Late Payments * * Issue : This account reflects late payments without showing a consistent payment history or reason for delinquencies. According to FCRA Section 623, the information must be complete and accurate.

Action Requested : Provide full validation including payment history. If validation is not possible, please remove all derogatory marks. 
XXXX. XXXX XXXX XXXX # XXXX * * Date Opened : XX/XX/XXXX | Balance : {$2400.00} | Status : Charge Off * * Issue : I do not recognize this debt. The company has not sent any notice or validation, as required under FCRA Section 611.

Action Requested : Please investigate and delete this entry if it can not be validated with supporting documentation. 
________________________________________ Unauthorized/Inaccurate Hard Inquiries : Under FCRA Section 604, every hard inquiry must be supported by permissible purpose and consumer authorization. I did not authorize the following inquiries : 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 XXXXXX/XX/XXXX These inquiries may have been made in error, or without my direct consent. Please investigate and provide a statement from the entities that initiated these inquiries, proving that I authorized them.

Action Requested : If documentation can not be provided for permissible purpose, I request that these inquiries be removed immediately. 
________________________________________ Final Request : Please conduct a full investigation as required by the FCRA and respond with a summary of your findings. If any item can not be verified or validated, it must be removed from my credit report within 30 days. 
Thank you for your attention to this matter. I look forward to your prompt resolution and an updated credit report. 
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