Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by Experian, XXXX, Equifax, and several data furnishers. 

A XXXX XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) is being reported inaccurately on my Experian credit file. This account is accurately marked as closed and in good standing on both Equifax and XXXX  reports. However, Experian continues to report this account with a derogatory status, creating inconsistency and factual inaccuracies across credit reporting agencies. This inconsistency violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers must report only accurate and complete information. Additionally, Experian 's continued reporting of derogatory status after being provided evidence of inaccuracy constitutes willful noncompliance under FCRA 1681n.

I demand the immediate deletion of this XXXX XXXX account from my Experian credit report, .Experian is also reporting unauthorized hard inquiries that were conducted without my knowledge, consent, permissible purpose, or written authorization as required under FCRA 604 ( a ) ( 3 ). The following inquiries are inaccurate and have caused me financial harm and privacy violations : 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/year> These inquiries were made without permissible purpose under FCRA 604, and Experian has failed to properly verify their legitimacy despite disputes. I request the immediate and permanent removal of these unauthorized hard inquiries from my Experian credit report.

3. XXXX  and Equifax - XXXX XXXX Reporting Error : A XXXX XXXX XXXX account ( Account # : XXXX XXXX XXXX ) is being inaccurately reported as a charged-off account with a {$0.00} balance on both XXXX  and Equifax. This is factually inconsistent, misleading, and unverifiable. Furthermore, this account is not reporting at all on Experian, indicating significant inconsistency among the credit bureaus and a failure by the furnisher to ensure uniform and accurate reporting under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Additionally, per IRS Publication 4681, any canceled debt of {$600.00} or more should be accompanied by Form 1099-C. No such documentation has been provided to me, making the charged-off reporting both misleading and unsupported. 

Requested Action : I demand deletion of this XXXX XXXX account from XXXX  and Equifax reports, or accurate correction backed by verifiable documentation including a valid 1099-C Supporting Documentation : I am attaching the following documentation to support my claims : FTC Identity Theft Report Current credit reports from Experian, Equifax, and XXXX  showing the discrepancies Previous dispute letters

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