Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
Formal Dispute Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i & 1681s-2 ( b ) Inaccurate Accounts & Unauthorized Inquiries. I am writing to formally dispute inaccurate and unverifiable items listed on my Experian credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681s-2 ( b ), and 1681b, I request that you reinvestigate, verify, and correct or delete all disputed entries within 30 days as required by federal law. Accounts in Dispute : XXXX / XXXX XXXX XXXX, account Number XXXX, opened XX/XX/XXXX, status : Charged Off {$660.00} written off ; {$660.00} past due as of XX/XX/XXXX, violation : The furnisher has failed to verify the accuracy of the charge-off and has not provided any supporting documentation or IRS reporting evidence. Under 26 C.F.R. 1.6050P-1, a Form 1099-C ( Cancellation of Debt ) is required when a debt of {$600.00} or more is canceled. I never received such a form. Please verify the full accounting, charge-off date, and 1099-C status, or delete the item. Law Reference : FCRA 623 ( b ) ; 26 C.F.R. XXXX. XXXX / XXXX, account Number : XXXX, opened : XX/XX/XXXX, status : Paid, Closed ( with prior delinquencies reported ) violation : Multiple late payments are shown even though the account closed in good, standing. Please verify all reported delinquencies and provide the full payment record. If the reporting can not be verified, remove or correct the inaccurate entries. Law Reference : FCRA 623 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX, account Number : XXXX, original Creditor : XXXX Credit Card, opened : XX/XX/XXXX, status : Collection account {$650.00} past due as of XX/XX/XXXX, violation : This is a debt buyer account with no proof of ownership or original contract, provided. XXXX XXXX XXXX must validate the debt, including the original, agreement, account ledger, and proof of purchase from XXXX. Without full validation, this tradeline must be deleted. Law Reference : FCRA 623 ( b ) ; FDCPA 1692g ( b ) ; 26 C.F.R. 1.6050P-1. XXXX XXXX XXXX, account Number : XXXX, original Creditor : XXXX Credit Card, opened : XX/XX/XXXX, Status : Collection account {$390.00} past due as of XX/XX/XXXX, violation : This second XXXX XXXX XXXX account reports the same original, creditor ( XXXX ), but no documentation has been provided proving the accounts, legitimacy, balance, or chain of title. Verify or delete. Law Reference : FCRA 623 ( b ) ; FDCPA 1692g ( b ). XXXX XXXX XXXX, account Number : XXXX, original Creditor : XXXX XXXX XXXX XXXX, opened : XX/XX/XXXX, status : Collection account {$1300.00} past due as of XX/XX/XXXX, violation : Debt buyer has not provided validation or IRS Form 1099-C for charge-off. Provide full verification or remove this tradeline. Law Reference : FCRA 623 ( b ) ; 26 C.F.R. 1.6050P-1. XXXX XXXX XXXX XXXX, account Number : XXXX original Creditor : XXXX XXXX XXXX Bank, opened : XX/XX/XXXX, status : Collection account {$2700.00} past due as of XX/XX/XXXX violation : The reported balance exceeds the original amount of {$1800.00}, which constitutes an inaccuracy under FCRA 607 ( b ). Verify the balance or delete the account. XXXX  XXXX XXXX, account number : XXXX original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX status : Collection account {$3900.00} past due as of XX/XX/XXXX violation : No validation or chain of assignment documentation provided. Please verify this debts legitimacy or delete it. Hard Inquiries / Unauthorized Inquiries ( Disputed ). I am also disputing the following hard inquiries, which appear to lack a valid permissible purpose under 15 U.S.C. 1681b. Please verify each inquiry by providing the date, permissible purpose, and signed authorization that permitted access to my credit file. If no such authorization exists, delete the inquiry immediately. Inquiries to be verified or deleted if unverified : XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX. XXXX / XXXX XXXX XXXX XX/XX/XXXX. EXPERIAN XXXX XXXX XX/XX/XXXX. XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX NA XX/XX/XXXX. XXXX / XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX BANK XXXX XX/XX/XXXX. 
EXPERIAN XXXX XXXX XX/XX/XXXX. If any inquiry was made without my consent or application, it must be removed immediately and flagged as unauthorized access. Requested Actions : Conduct a full reinvestigation of each disputed item. 
Verify, correct, or delete any information that can not be validated within 30 days. Provide written documentation from each furnisher and inquiry requestor verifying the accuracy and permissible purpose. Notify all parties who have received my report of any corrections or deletions, per FCRA 611 ( d ). Enclosed are copies of my government-issued ID, and proof of address. Legal duties and noncompliance. Under FCRA 611 ( a ), Equifax is required to : Reinvestigate disputed information within 30 days of receiving notice ; Forward all relevant documentation to the furnishers ; Delete or modify information that can not be verified ; and Provide written results and an updated credit report to the consumer. Failure to comply with these obligations constitutes negligent and/or willful noncompliance under 15 U.S.C. 1681n and 1681o, making XXXX  liable for : Actual damages, Statutory damages up to {$1000.00} per violation, Punitive damages, and Attorneys fees and costs.

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