Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am submitting this follow-up regarding multiple charged-off accounts that continue to appear on my credit report despite previous disputes. These accounts are inaccurate, unverifiable, and are significantly harming my credit profile. I am formally demanding the permanent removal of all accounts listed below. 
The first account is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * *. This account has been reported as charged off without any verifiable documentation supporting the balance or status. I have not received any valid proof indicating that this account was legitimately charged off or that the reported information is accurate. Its presence on my credit report misrepresents my financial responsibility, undermines my creditworthiness, and violates my rights under federal law. The reporting of this account violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which mandates that credit bureaus conduct reasonable reinvestigations of disputed information. Additionally, it violates FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 605B / 15 U.S.C. 1681c-2, which require furnishers and bureaus to report accurate, complete, and verifiable information. Because this account is unverifiable, I am demanding its permanent removal from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7700.00} * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} * * These accounts are reported as charged off, yet none of them have been verified with proper documentation. Their continued reporting is misleading and harmful, as it falsely portrays me as delinquent and negligent in managing my financial obligations. This reporting is inaccurate and violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires all information on credit reports to be accurate, complete, and fair. Because these accounts are unverifiable and inaccurately reported, I demand that they be permanently removed from my credit report. 
Additionally, there is a collection account, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} * *, which continues to be reported without proper verification. This account is a further example of inaccurate reporting that misrepresents my financial history. Reporting this collection violates FCPA 807 15 U.S.C. 1692e, FDCPA 809 15 U.S.C. 1692g, and 605B / 15 U.S.C. 1681c-2. Its continued presence on my credit report is misleading and damaging, and I demand its permanent removal. 
Finally, there is an unauthorized credit inquiry, XXXX XXXXXXXX XXXX which was conducted without my consent or authorization. This inquiry is a direct violation of FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and 605B / 15 U.S.C. 1681c-2. Its continued reporting misrepresents my financial behavior and has no legal basis to remain on my credit report. I demand that this inquiry be permanently removed as well.

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