Consumer complaint received 2025-12-04 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:
I am filing a complaint as a concerned consumer to demand the immediate removal of multiple inaccurate, unverifiable, and unauthorized items reported by your bureaus, as they have caused significant ongoing harm to my credit profile and financial stability.

Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), you are legally obligated to conduct a timely and reasonable reinvestigation of any disputed information, and under FCRA 623 ( a ) ( 1 ) ( A ) and 15 U.S.C. 605B / 15 U.S.C. 1681c-2, no information may be furnished or retained in my credit file if it can not be fully verified, supported, and legally substantiated.

I am specifically disputing the improper charge-off reporting under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) due to the absence of a mandatory 1099-C for debts allegedly exceeding {$600.00}, which legally renders these entries unverifiable and invalid, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$180.00} Experian ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$180.00} TransUnion ), and XXXX  XXXX XXXX ( {$5400.00} Experian ), all of which are inaccurately listed and unsupported by any lawful documentation. 
Furthermore, I am disputing a large volume of unauthorized hard inquiries that violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), because I never granted permissible purpose, written authorization, or consent for any of these companies to access my credit report. 
In Experian, this includes : XXXX  ( XX/XX/XXXX ), XXXX BANK XXXX XX/XX/XXXX ), XXXX CARD XXXX XX/XX/XXXXXXXX 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 and XXXX XXXX XX/XX/XXXX ). 
In Equifax, unauthorized inquiries include : XXXXXXXX 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 
In TransUnion, these unauthorized inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD 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. All these inquiries were performed without my permission and are therefore unlawful.

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