Consumer complaint received 2025-09-13 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: MA

Complaint narrative:
I am submitting this follow up complaint to dispute inaccurate and unverifiable information on my consumer credit report. This includes personal information, account data, and inquiries that are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). According to 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ( b ) ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of inaccurate or unverified information in my file directly violates this obligation and must be addressed immediately. I request the immediate deletion of the following inaccurate and unverifiable address that is improperly listed in my credit file : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX have never resided at or been associated with this address. Its presence in my file represents a clear failure to ensure accuracy as required under the FCRA. I demand its removal from all records associated with my file. This account is listed as a charge-off. I demand a full reinvestigation. If this information can not be verified as accurate, it must be permanently deleted under 15 U.S.C. 1681i, which requires that consumer reporting agencies reinvestigate disputed items unless the furnisher of the information provides verified documentation of its accuracy. XXXXXXXX XXXX XXXX Account : XXXX Reported Balance : {$8100.00} This account reflects a balance exceeding {$600.00}. Under IRS regulations ( 26 U.S. Code 6050P ), if a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue Form 1099-C to both the consumer and the IRS.No such 1099-C has been issued to me, which suggests that the debt has not been formally forgiven. Account for removal : XXXX XXXX XXXX Account : XXXX Reported Balance : {$0.00} This account still reports derogatory information despite reflecting a {$0.00} balance. This is misleading and inaccurate and should be removed unless you can validate its continued reporting. Collection account : Account Name : XXXX  Account : XXXX Balance Owed : {$14000.00} Under 15 U.S.C. 1692g ( b ) of the FDCPA, I am disputing this debt and requesting proper validation. Unless you provide sufficient verification of this debt 's validity, it must be removed from my credit file immediately. I am also disputing several hard inquiries listed in my report that were either unauthorized or lack a permissible purpose under the law. Pursuant to 15 U.S.C. 1681b ( a ) ( 3 ) ( FCRA Section 604 ( a ) ), a consumer reporting agency may only furnish a consumer report when it is intended for a specific, permissible purpose such as a credit transaction initiated by the consumer, employment, insurance, or legitimate business need. The following inquiries were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you are unable to provide a record proving that these inquiries were made with my consent and for a permissible purpose as defined under FCRA 604 ( a ), they must be removed immediately. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( FCRA Section 611 ), a consumer reporting agency is required to conduct a reasonable reinvestigation within 30 days of receiving a dispute. If the information in dispute can not be verified, it must be promptly deleted from the consumers file. Furthermore, under the FDCPA ( 15 U.S.C. 1692g ( b ) ), a debt collector must cease collection of the debt until the debt is validated. If the debt can not be validated with competent evidence, it must not be reported.

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