Consumer complaint received 2025-11-08 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 once again reaching out because I have exhausted all reasonable efforts to remove and resolve the same issues that continue to remain on my credit report, despite my consistent disputes and documented good faith attempts. This is now my fourth written request for a proper reinvestigation under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which mandates that when a consumer disputes information, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. Unfortunately, it seems this step has not been performed in compliance with the law, as the same erroneous accounts and inquiries remain. 
I would like to bring to your attention the following accounts that are being disputed for permanent removal, not correction, due to factual inaccuracies, unlawful reporting, and clear violations of the Fair Credit Reporting Act ( FCRA ) and other related statutes : The first is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX, which continues to appear as a repossession even though the account has been closed with a zero balance. Reporting this as a repossession is not only misleading but unlawful. Under FCRA 623 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Additionally, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) requires you to delete such information that can not be verified. This record appears to have been verified in error. Since the balance is clearly {$0.00}, continuing to report it as a repossession constitutes false representation of debt and violates 15 U.S.C. 1681c-2, which addresses the obligation to block and remove disputed information that is the result of identity error, inaccuracy, or unverifiable claims. 
The next item is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX  which is marked as charged off. This reporting is inaccurate and unlawful because no 1099-C ( Cancellation of Debt ) form has been issued for a charge-off exceeding {$600.00}, which is required under the Internal Revenue Code. Reporting a charged-off debt while failing to issue the corresponding 1099-C violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of the information reported. The absence of such documentation indicates the debt was never properly cancelled or verified, meaning continued reporting is misleading and noncompliant with federal law. 
Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3400.00} is being reported as charged off in a manner inconsistent with both account documentation and consumer protection law. If this account was charged off and sold, it should no longer be reporting a balance owed. If it was not sold, the furnishers continued monthly updating of negative data violates FCRA 623 ( a ) ( 2 ) for failing to correct and update inaccurate or incomplete information previously furnished. These actions also violate FCRA 607 ( b ) for lack of data accuracy verification. 
In addition, I am disputing unauthorized and unverified hard inquiries that have no permissible purpose under federal law. These include XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX XXXX XXXX dated XX/XX/XXXX. Under FCRA 619 15 U.S.C. 1681q, it is unlawful for any person to obtain a consumer report under false pretenses. Furthermore, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) clearly state that a consumer report can only be accessed for permissible purposes and with proper authorization. I have never given consent nor initiated any credit applications with these entities during those periods. Therefore, these inquiries must be permanently deleted as they were obtained and reported in violation of federal law.

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