Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I submitted a dispute letter to Equifax, Experian, and TransUnion to explain potential identity theft due to incorrect personal details and unauthorized accounts and requested the removal of all incorrect personal details and unauthorized accounts. I requested validation of debt with contract signed by me and charge off documentation. 

As of XX/XX/year> charge off accounts are on my credit reports with multiple dates, late payments, and no validation of debt was sent to me. I did not receive 1099-C form. Charge off accounts dont have a {$0.00} balance. Multiple Late payments appear on my credit reports. 

1. Incorrect Personal Information My reports list multiple incorrect addresses, names, and even inaccurate Social Security Number ( SSN ) variations, which are not associated with my identity. This misinformation may indicate a mixed or merged credit file, identity theft, or reporting errors, and must be corrected immediately to reflect only accurate, verified personal information. 

2. Late Payments 15 U.S. Code 1666b I noticed multiple reported late payments across my credit reports that are inaccurate and/or misdated. Under 15 U.S. Code 1666b, the timing of payments must be accurately recorded and reasonably posted. These late payment entries are not only misleading, but they have significantly impacted my credit profile without justification or proper validation. I request a thorough investigation and removal of any unverified or incorrectly dated late payments. 

3. Charge-Off Accounts 15 U.S. Code 6801 & 6802 Several charge-off accounts appear with different charge-off dates reported across bureaus, which constitutes inconsistent and potentially deceptive reporting. These accounts must be corrected for consistency or removed entirely if validation can not be provided. Misreporting of such information is a direct violation of federal law. Additionally, I never received 1099-C forms for these alleged cancellation of debts, which is a legal obligation under IRS and consumer financial laws. These inconsistencies violate 15 U.S. Code 6801 and 6802, which protect my nonpublic personal information and require proper disclosure of financial actions affecting my credit file. 

4. Collection Accounts 15 U.S. Code 1692g Certain collection accounts listed on my reports have not been validated in accordance with 15 U.S. Code 1692g, which requires debt collectors to provide proper validation upon request. If these accounts can not be substantiated with full documentationincluding original creditor information, amount owed, and proof of ownership of the debtthey must be deleted from all reports immediately. 

5. Hard Inquiries 15 U.S. Code 1681 There are hard inquiries on my credit reports that I did not authorize. According to 15 U.S. Code 1681, the reporting of such information must align with fair and accurate purposes as outlined by Congress. I demand that any inquiries made without my express permission be removed and that you investigate whether these inquiries represent unauthorized access to my personal financial data. 

6. Failure to Respond to Initial Dispute In my initial dispute letter to the bureaus, I requested validation and proper documentation for several accounts. To date, I have not received any verification. According to federal law, if an item can not be verified, it must be deleted from the credit report. Continuing to report unverifiable information is a direct violation of the FCRA and may warrant legal action.

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