Consumer complaint received 2025-11-06 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 filing a complaint to formally dispute multiple accounts and an inquiry appearing on my credit report that are inaccurate, unverifiable, and unauthorized, and I am requesting their permanent removal, not correction. I am a responsible consumer who values the accuracy of my financial information, and the continued reporting of these accounts and inquiry is causing significant harm to my creditworthiness. After careful review, I have found that these items can not be substantiated with valid documentation and therefore violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
The late-closed accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance Owed : {$3000.00} ) * * and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were reported late and inaccurately, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report only accurate information, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. Additionally, 15 U.S.C. 605B / 15 U.S.C. 1681c-2 allows for blocking unverifiable or fraudulent information. These late-closed accounts are misrepresented and must therefore be permanently deleted. 
The second set of concerns involves XXXX accounts. 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  Balance Owed : {$0.00} ) * * are reported as Charged Off, yet there is no balance or valid supporting documentation to prove these obligations exist. These accounts violate FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which mandates that a credit bureau conduct a reasonable reinvestigation and delete any unverifiable information. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know is inaccurate, and 15 U.S.C. 605B / 15 U.S.C. 1681c-2 explicitly gives consumers the right to have unverifiable or fraudulent data permanently blocked from their reports. Because these accounts can not be verified, I demand they be deleted completely.

Additional charged-off accounts are being reported with balances over {$600.00} witho
ut proper Form 1099-C documentation, which violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring the maximum possible accuracy in all reporting. These accounts include 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} ). The continued reporting of these unverifiable accounts creates a false impression of debt and unfairly damages my credit profile. They must be permanently removed in accordance with federal law. 
In addition to the charged-off accounts, there is an unauthorized inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not provide written consent for this inquiry, nor did I request any account, and its presence violates several key consumer protections, including FCRA 619 15 U.S.C. 1681q, which restricts access to credit reports to parties with permissible purposes, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which limits the permissible reasons for accessing consumer information, and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which outlines the conditions under which a consumer report may be furnished. Because this inquiry was unauthorized, it is an unlawful entry and must be deleted permanently from my credit report.

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