Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following hard inquiries do not correspond with any open credit accounts. Under FCRA 604 ( a ) ( 3 ) and 607 ( b ), these inquiries must have a permissible purpose and verifiable consumer authorization. There is no ongoing relationship with these creditors, making continued publication of these inquiries unlawful and misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX No open or active accounts exist with any of the above lenders at the time of this complaint. Per FCRA 604 and FCRA 611, these inquiries must be removed immediately or proper written authorization and account linkage must be provided.

In addition to the above inquiries, the following accounts contain material inaccuracies, billing violations, false data entry, or are stale under FCRA 605 ( c ) and should be permanently removed : XXXX Opened : XX/XX/XXXX Charged off, {$680.00} written off, {$240.00} past due. 

Over 7 years old, must be removed under FCRA 605 ( c ).

Likely discharged via 1099-C under IRS Code 6050P. 

Reporting inaccurate, unverifiable history = FCRA violation. 

XXXX Opened : XX/XX/XXXX Charged off, {$3200.00} written off, {$2400.00} past due. 

Unverified payment history and possible 1099-C cancellation.

Continued reporting violates 15 USC 1681s-2 ( b ). 

XXXX XXXXXXXX ( XXXX & XXXX Accounts ) Late entries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 

XXXX late entries are unverifiable and inaccurate. 

Violates 15 USC 1666 ( b ) ( billing error dispute rights ).

Reporting {$0.00} balance as delinquent is unlawful under Metro 2. 

XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Inconsistent late payment record. 

Account is paid and closed. No valid reason for derogatory reporting. 

XXXX XXXX Opened : XX/XX/XXXX XXXX late entry for XX/XX/XXXX is false and fabricated. 

Violates FCRA 1681e ( b ) and Metro 2 reporting guidelines. 

XXXX Opened : XX/XX/XXXX Charged off, {$910.00} past due. 

Unverified history ; 1099-C cancellation likely filed. 

Reporting inaccurate data = FCRA violation. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Account shows closed XXXX, contradictory data. 

False XXXX late entries. 

Violates FCRA, Metro 2, and IRS discharge policies. 

XXXXXXXX XXXX  Opened : XX/XX/XXXX Charged off + false XXXX lates. 

Still reported as open = misleading, per XXXXXXXX XXXX XXXX XXXX XXXX 

Inconsistent status violates FCRA 1681e ( b ). 

XXXX Opened : XX/XX/XXXX & XX/XX/XXXX Multiple XXXX late entries reported inconsistently. 

Billing errors not resolved per 15 USC 1666 ( b ).

Data entry conflicts across bureaus. 

XXXX  XXXX Accounts Opened : XX/XX/XXXX & XX/XX/XXXX Both accounts charged off with 1099-C likely filed.

Balance continues to report falsely. 

Payment history unverifiable = legal liability. 

Requested Resolution Immediately delete all unauthorized hard inquiries listed. 

Remove all derogatory accounts listed due to billing violations, unverifiable late payments, and outdated or discharged debt. 

Provide proof of permissible purpose, verified data, and lawful reporting for all remaining records. 

Provide updated credit reports reflecting removal. 

Ensure no reinsertion occurs without written notification under FCRA 611 ( a ) ( 5 ) ( B ). 

XXXX XXXX asserts her rights under the FCRA, 15 USC 1666, Metro 2 Standards, and IRS Code 6050P to dispute, block, and remove false and unauthorized entries. These violations present serious harm to her credit reputation, financial well-being, and legal rights. She seeks full correction and deletion without delay. 

Thank you for your urgent attention to this matter.

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