Consumer complaint received 2025-04-23 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:
To Whom It May Concern, I am writing to formally dispute the accuracy and reporting of the following accounts and inquiries on my credit report as required under the Fair Credit Reporting Act ( FCRA ). I request that you immediately investigate these items and remove them if they can not be fully verified. 
________________________________________ XXXX Accounts : XXXX. XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | XXXX : {$4500.00} XXXX XXXX Issue : This account is being reported as charged off with an outstanding balance. However, under FCRA Section 623, furnishers must ensure that the information they report is accurate and up-to-date. I was never properly notified of the charge-off status or provided a breakdown of the balance. 
XXXX Requested : Please conduct a thorough investigation. If XXXX can not verify the accuracy, I request immediate deletion. 
XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | XXXX : {$4700.00} XXXX XXXX Issue : This account is listed as charged off, yet I have not received adequate documentation supporting the debts validity or the balance reported. 
FCRA Violation : Section 611 Failure to provide adequate verification. 
XXXX Requested : Remove this account if full validation can not be provided. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | Credit Limit : {$4000.00} XXXX XXXX  Issue : Reporting as charged off, but I have disputed this balance previously and have not received any substantiating evidence from the furnisher. 
XXXX Requested : Please delete this unverified item from my credit report. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX | High Credit : {$4500.00} * * Issue : The balance and charge-off status are inaccurate. I request validation of the debt, including full payment history. 
XXXX Requested : Remove this item if verification is not available. 
XXXX. XXXX XXXX XXXXXXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX | XXXX : {$5300.00} * * Issue : The furnisher has not provided any proof or statement of this alleged debt. 
FCRA Violation : Failure to respond with sufficient proof within 30 days as per Section 611. 
XXXX Requested : Delete the account if unverifiable. 
XXXX. XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX | High Credit : {$8500.00} * * Issue : Same as above I have never received notice or validation of this debt. 
Action Requested : Remove from my report unless the creditor can provide documentation proving its validity. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Credit Limit : {$7800.00} * * Issue : Reporting inaccurate information regarding balance and charge-off status. The creditor has failed to validate this debt upon my previous request. 
Action Requested : Delete this account as required under FCRA Section 611 if unverifiable. 
________________________________________ XXXX Inquiries : I also found numerous hard inquiries on my report that I did not authorize. According to FCRA Section 604, hard inquiries require permissible purpose. I never provided consent for the following entities to access my credit : 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 Action Requested : If the furnishers of these inquiries can not provide proof of permissible purpose ( such as a signed application ), these inquiries must be removed immediately as required under FCRA Section 604 ( a ) ( 3 ).

________________________________________ Final Request : Under FCRA Section 611, I request that you complete your investigation within 30 days. If these items can not be verified or validated by the original creditors or inquirers, they must be deleted from my credit report with all three bureaus. 
Please send me a written statement confirming the results of your investigation and an updated copy of my credit report. 
Sincerely, XXXX XXXX

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