Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This letter marks my fifth formal request for intervention concerning the continuing presence of inaccurate, duplicate, and unjustly reported accounts on my credit profile, which are causing immediate and substantial harm. I have exhausted previous dispute channels, and I now appeal to the CFPB to enforce the protections I am guaranteed under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), and related IRS provisions regarding charged-off debts. 
Since last month, my credit report has been flooded with a series of negative entries that did not appear before, each severely damaging my ability to qualify for a mortgage. The accounts below continue to be reported despite their inaccuracies, duplications, or unresolved dispute status : 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 Under FCRA 623 and 611, furnishers must ensure accuracy and must not report duplicate tradelines for the same obligation. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal student loans are subject to strict reporting guidelines. Improper charge-off labeling of federal loans may violate both FCRA and Department of Education rules . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection * * The FDCPA prohibits continued reporting or collection on debts not validated after multiple disputes. FCRA XXXX also requires bureaus to delete unverifiable items. 
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 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 XXXXXXXX ) Several of these collections reflect previously resolved or disputed obligations. Continued reporting without full verification violates XXXX XXXX XXXX b ). 
Student Loan Late Payments ( DPT EDXXXX XXXX ) Multiple accounts from XXXXXXXX XXXX XXXXXXXX are duplicatively reported with varying open dates ( e.g., # XXXX, # XXXX, etc. ). Under FCRA 1681c, obsolete data and duplicate reports must be corrected or deleted. 
XXXX XXXX  Inquiries XX/XX/XXXX and XX/XX/XXXX Per FCRA 604, hard inquiries require consumer authorization. If these were not authorized, they constitute unauthorized access to my file.

I remind the Bureau that under FCRA 602, the laws purpose is to ensure accuracy, fairness, and respect for consumer privacy in credit reporting. The repetitive, unverified, and duplicative reporting of these accounts undermines that intent and violates my statutory rights. 
Additionally, for any accounts that have been charged off and potentially forgiven or canceled, I request full investigation under IRS Form 1099-C rules and IRS Publication 4681. If a debt has been discharged and the creditor issued a 1099-C, that debt must not remain on my credit report. Continued listing in such cases constitutes inaccurate representation of enforceable liability. 
These ongoing violations have resulted in actual damagesdenial of mortgage financing, emotional distress, and impediments to financial stability. I am not seeking delays or generic template responses. I demand action. Should this matter remain unresolved, I will proceed to escalate with legal counsel and file formal complaints with the CFPB, FTC, and State Attorney General under FCRA XXXX81n, 1681o, and FDCPA 1692k. 
I respectfully urge the CFPB to take immediate enforcement action and compel the deletion or correction of these accounts, as required by law. 
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