Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
This complaint serves as my fifth and follow-up regarding inaccurate and unauthorized information that continues to appear across my credit reports with the three major credit bureaus. Despite multiple prior disputes and supporting evidence, the same unverified and misleading information remains. This continued reporting violates several key sections of the Fair Credit Reporting Act ( FCRA ), including my rights under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires credit bureaus to promptly delete or correct inaccurate information after a dispute, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in all consumer reports.

Please be advised that this is not a request for correction. I am demanding permanent deletion of the following account and inquiry, as neither have been lawfully verified or substantiated with proper documentation as required under FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from providing information known to be inaccurate. 
Charged-Off Account in Dispute XXXX Account No XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} This account continues to appear as a charge-off while reporting a zero-dollar balance. This is factually inconsistent and misleading, as a charge-off indicates an unpaid debt, yet the balance shows nothing owed. The reporting of this account in such a manner violates FCRA 607 ( b ), which requires all information reported to consumer reporting agencies to be complete and accurate.

Additionally, under FCRA 611 ( a ), credit reporting agencies must conduct a proper reinvestigation and delete any item that can not be verified within the legally required timeframe. Since no verifiable documentation or creditor validation has been produced in response to prior disputes, this tradeline must now be permanently deleted. Continuing to report this account also violates FCRA 623 ( a ) ( 1 ) ( A ), which explicitly forbids furnishers from reporting data they know or have reason to believe is inaccurate. 
Unauthorized Inquiry in Dispute XXXX XXXX  Date of Inquiry : XX/XX/year> This inquiry was made without my consent or authorization, and there is no permissible purpose for it under the law. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), a consumer report may only be accessed for specific, legitimate purposes, such as an approved credit application. Furthermore, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) prohibits any person from obtaining a consumer report without a permissible purpose. Obtaining my report without my consent constitutes unauthorized access, an
d under FCRA 619 15 U.S.C. 1681q, it is unlawful to obtain consumer information under false pretenses. Because this inquiry can not be verified or justified, it also falls under FCRA 605B 15 U.S.C. 1681c-2, which provides for the blocking and removal of information resulting from unauthorized or fraudulent use.

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