Consumer complaint received 2025-10-18 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 first formal dispute and request for permanent removal, not correction, of certain accounts and inquiries currently appearing on my credit file. After reviewing my report carefully, I noticed several items that are being reported inaccurately or without proper verification, causing harm to my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). 
The following accounts are being disputed for permanent deletion due to inaccurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} This account is shown as Late Closed despite reflecting a {$0.00} balance. There is no valid reason a paid or closed account should continue reporting late or negative information. This misrepresentation violates FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], which requires reinvestigation of any disputed item, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which requires furnishers to report only accurate information. Furthermore, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] mandates that credit bureaus ensure maximum possible accuracy. This late status should be permanently removed, not corrected, as it is misleading and unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Both of these accounts are being reported as Charged Off even though the balances are {$0.00}. This reporting is inconsistent and inaccurate. A {$0.00} balance means there is no current obligation or debt to charge off, and the continued negative notation damages my credit unfairly. I have received no documentation confirming the validity or accuracy of these charge-offs, and until such proof is produced, they must be permanently deleted.

Under FCRA 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ), any unverifiable or inaccurate data must be removed. If these furnishers can not validate the legitimacy of their reporting through actual records, these accounts must be deleted from all bureaus. 
In addition to the accounts above, my report contains numerous unauthorized inquiries that I never approved or initiated. I have no existing credit relationship with these companies that would justify their access to my report. These inquiries are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX Each of these inquiries lacks a permissible purpose under FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which restrict access to a consumers report only to authorized users with legitimate intent. If these entities did not have my explicit consent or a valid business relationship, then their access to my file constitutes obtaining information under false pretenses, a serious violation under FCRA 619 [ 15 U.S.C. 1681q ].

Since I did not authorize these inquiries, they must be permanently deleted under FCRA 605B / 15 U.S.C. 1681c-2, which gives consumers the right to block unverifiable or unauthorized information from their reports.

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