Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
I am writing this letter as a concerned consumer who simply wants a credit report that truthfully represents my financial history. After carefully reviewing my report, I found several accounts and inquiries that are either completely resolved, inaccurately labeled, or not verifiable. These items are harming my record and no longer reflect my current or past responsibilities. 
This is my first formal dispute and I am requesting permanent removal of these entries not correction or update because they violate my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Several closed accounts are still showing negative or late notations even though they carry {$0.00} balances and have been settled in full. Continued reporting of closed accounts in a misleading manner violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2, which require complete accuracy and allow deletion of unverifiable information. 
The following are the accounts in question : DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX Balance : {$0.00} * * DEPTEDXXXX XXXX XXXX XXXX Balance : {$0.00} * * DEPTEDXXXX XXXX XXXX XXXX Balance : {$0.00} * * DEPTEDXXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} These accounts were long ago satisfied and closed. Their remaining presence marked as late is not only unfair but factually inaccurate. I respectfully request that each be permanently deleted to preserve the integrity of my report. 
Next, I am disputing the continued reporting of certain collection accounts that have been resolved, inconsistently reported, or lack proper documentation. Their presence creates confusion and damages my reputation as a responsible borrower. 
Under FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ), no debt collector may report or attempt to collect without full verification, and 605B / 15 U.S.C. 1681c-2 allows removal of information that can not be proven accurate.

The disputed collection accounts are : XXXX ( Original Creditor : XXXX AT T ) XXXXXXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} * * These accounts are either no longer valid, have been paid, or can not be verified by the original creditors. I am asking that they be permanently removed from all credit bureau records to comply with federal accuracy requirements. 
I also noticed a hard inquiries that I did not authorize. My report shows an access attempt that was not initiated by me, which constitutes an unauthorized credit pull.

This violates 605B / 15 U.S.C. 1681c-2, FCRA 619 15 U.S.C. 1681q, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), all of which protect my right to privacy and restrict access to my credit file without permissible purpose. 
The inquiry at issue is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/year> Because this inquiries was performed without authorization, I request that it be permanently deleted and removed from my file.

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