Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am devastated to find out these inaccurate and fraudulent accounts on my profile it leaves me in a state of despair and according to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I am writing to formally dispute the charge-off accounts currently reported on my credit report, as they are in violation of the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ) under XXXX I demand the following accounts be removed immediately : Account Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : I don't recognize this account Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account To support these laws here Further more here are Consumer Law Codes. 
XXXX. Right to Privacy ( XXXX XXXX. XXXX ) : This statute affirms my right to privacy regarding my personal information. The charge-off accounts in question XXXX violate my privacy rights, especially if they were reported without my consent. 

XXXX. XXXX XXXX XXXX Obligations ( XXXX XXXX. XXXX ( XXXX ) ) : This provision states that a consumer reporting agency can not furnish an account without my written instructions. If these charge-offs were reported without my explicit consent, they are invalid. 

XXXX. Reporting Time Limits ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) : According to this section, no consumer reporting agency XXXX include adverse information in a report if it predates the report by more than XXXX years. If these charge-offs exceed this timeframe, they should be removed. 

XXXX. Inaccurate Information ( XXXX XXXX. XXXX XXXX ( A ) ( XXXX ) ) : This law prohibits the furnishing of information to consumer reporting agencies if there is knowledge or reasonable cause to believe that the information is inaccurate. I believe that the charge-off entries are inaccurate and should not be reported. 

In light of these points, I request a thorough investigation into the charge-off accounts listed on my credit report. If it is determined that the information is indeed inaccurate or improperly reported, I ask that you remove these entries promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.

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