Consumer complaint received 2025-10-21 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: TN

Complaint narrative:
This correspondence serves as my formal follow-up demand for the immediate and permanent removal of inaccurate, unverified, and unlawfully reported items that continue to appear on my credit reports. These accounts have been disputed previously, yet remain without lawful validation or verification. Therefore, I am requesting permanent deletion, not correction, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both of these accounts are being reported as charged off, yet there is no evidence of a valid IRS Form 1099-C confirming any debt cancellation exceeding {$600.00}, as required under federal law when a charge-off is recognized as income to the consumer. The absence of this documentation indicates the reporting of these accounts is misleading, inaccurate, and unverifiable. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], each consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy in the information it reports. Reporting a charged-off account without providing verifiable documentation or proof of debt cancellation constitutes a direct violation of this provision. 
Therefore, I am demanding the permanent removal of these charged-off accounts from all versions of my credit file, as they can not be verified in accordance with the FCRA. 
Collection Account in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection entry is also being reported inaccurately and without proper verification. The Fair Debt Collection Practices Act clearly prohibits any deceptive or misleading actions by a debt collector. Under FDCPA 807 ( 15 U.S.C. 1692e ), a collector may not use false, deceptive, or misleading representations in connection with the collection of any debt. Furthermore, FDCPA 809 ( 15 U.S.C. 1692g ) requires that all collectors provide written validation of a debt upon request before continuing collection or reporting activity.Unauthorized Inquiries in Dispute XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my authorization and without any legitimate credit application or permissible purpose. Under FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), a consumer report may only be furnished for specified, lawful purposes, and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) makes it unlawful to obtain a report without such purpose. Further, FCRA 619 ( 15 U.S.C. 1681q ) forbids obtaining consumer information under false pretenses, and FCRA 605B ( 15 U.S.C. 1681c-2 ) provides my right to block and permanently remove information that resulted from unauthorized or fraudulent use. Because these inquiries were made without consent or permissible purpose, they must be permanently deleted from every bureaus record.

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