Consumer complaint received 2025-10-23 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: PA

Complaint narrative:
I am filing a complaint as a follow-up regarding my prior disputes of multiple accounts on my credit report. Despite my previous communications, these accounts continue to appear inaccurately, causing ongoing financial hardship, emotional distress, and significant obstacles in my daily life. I want to make it clear that this is not a request for correctionI am demanding the permanent removal of these accounts. 
Over the past several months, I have reviewed my credit reports extensively and have repeatedly identified accounts that are reported without proper verification or documentation. These unverified accounts continue to negatively impact my creditworthiness, creating higher interest rates, denied loan opportunities, and unnecessary stress. It is both unfair and harmful that these items remain on my report. 
The accounts I am disputing and requesting for permanent removal include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$510.00} This account continues to appear as charged off despite never being properly verified. Its ongoing reporting violates my rights under the Fair Credit Reporting Act, including FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and 605B / 15 U.S.C. 1681c-2. The continued presence of this unverified account is causing tangible financial harm, and I demand its permanent removal. 
XXXX XXXX XXXX XXXXXXXX : {$140.00} Reported as charged off without proper verification, this account has caused unnecessary stress and financial hardship. Its reporting violates the same protections under the FCRA, and I am requesting its permanent deletion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$4500.00} This account is charged off but does not appear on other bureaus, raising serious questions about its validity. Reporting unverified information like this violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and its continued appearance is damaging my credit. Permanent removal is required. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} This account is reported inaccurately and without proper documentation. Its presence has caused real financial barriers and stress, and permanent deletion is warranted under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00} Despite previous disputes, this account continues to appear inaccurately, further harming my creditworthiness. Its continued reporting violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and I am requesting permanent removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} Reported as a collection, this account is unverified and violates the Fair Debt Collection Practices Act ( FDCPA 809 15 U.S.C. 1692g ) and FCPA 807 15 U.S.C. 1692e, as well as 605B / 15 U.S.C. 1681c-2. Its continued presence is misleading and harmful, and I am requesting permanent deletion. 
XXXX XX/XX/year> This inquiry is included in my dispute due to inaccurate reporting and potential violations of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and 605B / 15 U.S.C. 1681c-2. It is not properly authorized or verified, and I request its permanent removal.

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