Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am submitting a follow up complaint as my third formal request for the immediate and permanent deletion of several inaccurate and unverified items that remain on my credit report. Despite prior dispute efforts, these accounts and inquiries continue to appear without proper verification, documentation, or legal basis. Their continued reporting has caused unnecessary harm to my credit reputation and constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 
It is disappointing that, after my first dispute, no valid supporting evidence or verifiable documentation was provided to justify these listings. Therefore, I am now compelled to make this second request, as federal law protects my right to accurate and verifiable reporting. 
Charged-Off Accounts in Dispute XXXX XXXX Acct : XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX Balance : {$1300.00} These charged-off accounts are reported without substantiation or valid evidence that they are being accurately maintained. To date, no original signed agreements, itemized billing statements, or a valid IRS Form 1099-C have been providedparticularly concerning balances exceeding {$600.00}, which should have been reported to the IRS if truly charged off. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], every consumer reporting agency is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Failure to maintain or provide verifiable documentation demonstrating the legitimacy of these accounts is a violation of that standard.

Furthermore, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], when a consumer disputes the accuracy of any item of information, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. The prior investigation failed to meet this standard, as no substantive proof was produced. 
If these accounts can not be verified with proper documentation, they must be permanently deleted under FCRA 605B [ 15 U.S.C. 1681c-2 ], which mandates removal of unverified information. Continuing to report them without proof would also constitute a violation of FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], prohibiting furnishers from reporting information they know or should know to be inaccurate or incomplete.

Unauthorized or Unverified Inquiries The following hard inquiries were conducted without any verifiable permissible purpose or written authorization from me : 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  Under FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ], a consumer report may only be obtained for specific, legitimate purposes outlined by law. FCRA 604 ( f ) [ 15 U.S.C. 1681b ( f ) ] further prohibits the procurement of a consumer report without such a permissible purpose, and FCRA 619 [ 15 U.S.C. 1681q ] makes it a violation to obtain or use a consumer report under false pretenses. 
Since none of these entities have provided proof of authorization, an application, or any valid purpose for accessing my credit report, these inquiries are unverified and unauthorized and must be permanently deleted. Their continued reporting constitutes a violation of my privacy and a misuse of my consumer data as protected by federal law.

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