Consumer complaint received 2025-11-08 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 once again submittin a complaint with deep frustration because my credit report continues to reflect inaccurate and unverifiable information that has already been disputed several times. Despite my previous good-faith efforts to have these errors investigated and corrected, the same entries remain unchanged, leaving me no choice but to request permanent removal, not mere correction, in accordance with my rights under federal law. 
The first set of items pertains to late/closed accounts that have been repeatedly reported in violation of the Fair Credit Reporting Act. Specifically, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} and XXXX  XXXX Balance Owed : {$0.00} * both continue to appear with a late or delinquent status, even though the balances are clearly XXXX. Reporting a closed account with no outstanding debt as late or past due is materially inaccurate and violates multiple provisions of the law. 
Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information and expect a proper reinvestigation to determine its accuracy. None of the previous reinvestigations have produced verifiable evidence that these accounts were late after being closed, or that any delinquency truly existed. Continuing to report these as late without such proof fails to meet your obligations. 
Additionally, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or reasonably should know to be inaccurate. Both furnishers and the credit bureau are equally responsible for ensuring the data is correct. By keeping these late statuses active despite no verifiable debt, this duty is being disregarded. 
Furthermore, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires that all credit reporting agencies maintain procedures to assure maximum possible accuracy. Retaining false late notations on accounts that carry a XXXX balance fails that standard entirely. Under FCRA 605B / 15 U.S.C. 1681c-2, unverifiable or false information must be blocked or removed from a consumer file. Therefore, I demand complete removal of these entries from my report. 
In addition, my credit file continues to list multiple unauthorized or questionable inquiries that I never granted permissible purpose for. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
These inquiries violate several key provisions of the FCRA, including 619 15 U.S.C. 1681q, which prohibits obtaining consumer information under false pretenses ; 604 ( a ) 15 U.S.C. 1681b ( a ), which limits access to a consumer report to parties with a permissible purpose ; and 604 ( f ) 15 U.S.C. 1681b ( f ), which explicitly forbids any entity from obtaining a credit report without such a purpose. No authorization, signed consent, or legitimate transaction exists that justifies these inquiries, and their continued appearance is 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