Consumer complaint received 2025-10-17 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 6th and final dispute regarding two XXXX XXXX XXXX accounts that continue to appear on my credit report in charged-off status. These entries have been challenged repeatedly, yet remain without proper verification or correction. I am not seeking another verification or adjustment this is a formal demand for permanent removal of both accounts from my file due to their ongoing inaccuracy, incomplete reporting, and lack of lawful substantiation. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} Both are listed as charged off, yet no supporting documentation or valid verification has ever been provided to me after multiple disputes. Under the Fair Credit Reporting Act, the bureau has a legal obligation to ensure that every item it reports is supported by verifiable, accurate, and complete data. Continuing to publish information that can not be substantiated violates the duty to maintain maximum possible accuracy, which is required under FCRA 607 ( b ).

What makes this situation even more troubling is that these so-called charge-offs have never been accompanied by any Form 1099-C, which is required by the IRS for the cancellation of debt exceeding {$600.00}. When a lender legitimately cancels or charges off a debt, they must issue a 1099-C to both the consumer and the IRS to reflect that action. The absence of any such form is strong evidence that the alleged charge-off was never finalized, or that the reporting is incomplete and misleading.

Without a 1099-C, there is no legal confirmation that these debts were properly charged off, and therefore, continuing to report them as such is inaccurate and deceptive. The reporting of a charge-off without evidence of debt cancellation is not only false, it unfairly damages my credit reputation by implying an event that never occurred under lawful conditions. 
The law protects consumers from this type of reporting. When an account can not be verified or is being reported inaccurately, it must be deleted, not verified again based on recycled or incomplete data. The credit bureaus duty is to report truth not assumptions. By continuing to show these XXXX XXXX  XXXX accounts as charged off without full verification or proper documentation, you are failing that duty. 
I have now disputed these accounts multiple times and have been given the same vague responses, none of which provide real verification or lawful proof. The continued appearance of these accounts suggests either that no proper reinvestigation was performed, or that there was no valid evidence to begin with. Either way, the outcome must be permanent deletion.I am filing a complaint to formally dispute the unauthorized inquiry appearing on my credit report from XXXX dated XX/XX/year>. This letter is not a request for correction or verification it is a demand for permanent removal of this inquiry, as it was made without my full knowledge, permission, or permissible purpose under federal law. 
After carefully reviewing my credit file, I found this inquiry listed despite never having authorized or initiated any application or transaction with XXXX on or around that date. I take my credit privacy seriously, and any use of my personal information for purposes not explicitly permitted under law is a serious violation of my consumer rights. 
Under the Fair Credit Reporting Act ( FCRA ), a credit inquiry must have a permissible purpose, as outlined in FCRA 604 ( a ), and it must be obtained only by those who have a legitimate need and consumer authorization, as defined in FCRA 604 ( f ). Any entity that accesses or furnishes my credit report without such authorization acts unlawfully. Furthermore, the use of personal credit information under false pretenses is strictly prohibited under FCRA 619, which makes it unlawful for anyone to obtain a consumer report knowingly without a permissible purpose.

Because this inquiry was made without my authorization and does not align with any transaction I initiated, its continued reporting constitutes a clear violation of these provisions. Additionally, under FCRA 605B / 15 U.S.C. 1681c-2, I have the right to request that information resulting from unauthorized or fraudulent use of my identity be blocked or permanently deleted from my file once reported.

I am not asking for another reinvestigation or correction. This is my official request for permanent removal of the XXXX inquiry from my report. The ongoing presence of this record damages my creditworthiness and exposes me to risk by implying I consented to actions I did not authorize.

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